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NBT Bancorp (NBTB)
NASDAQ:NBTB
Total Valuation
NBT Bancorp has a market cap or net worth of $2.16B. The enterprise value is $2.17B.
Market Cap$2.16B
Enterprise Value$2.17B
Share Statistics
NBT Bancorp has 52,204,410 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,204,410
Owned by Insiders2.60%
Owned by Institutions7.16%
Financial Efficiency
NBT Bancorp’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 1.06%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)1.06%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee416.43K
Profits Per Employee81.25K
Employee Count2,083
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of NBT Bancorp is 11.6. NBT Bancorp’s PEG ratio is 0.96.
PE Ratio11.6
PS Ratio2.25
PB Ratio1.03
Price to Fair Value1.03
Price to FCF8.93
Price to Operating Cash Flow8.30
PEG Ratio0.96
Income Statement
In the last 12 months, NBT Bancorp had revenue of 867.43M and earned 169.24M in profits. Earnings per share was 3.34.
Revenue867.43M
Gross Profit625.73M
Operating Income219.44M
Pretax Income219.44M
Net Income169.24M
EBITDA241.03M
Earnings Per Share (EPS)3.34
Cash Flow
In the last 12 months, operating cash flow was 235.22M and capital expenditures -10.27M, giving a free cash flow of 224.95M billion.
Operating Cash Flow235.22M
Free Cash Flow224.95M
Free Cash Flow per Share4.31
Dividends & Yields
NBT Bancorp pays an annual dividend of $0.37, resulting in a dividend yield of 3.33%
Dividend Per Share$0.37
Dividend Yield3.33%
Payout Ratio40.57%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.86
52-Week Price Change-1.74%
50-Day Moving Average43.43
200-Day Moving Average41.80
Relative Strength Index (RSI)38.81
Average Volume (3m)188.66K
Important Dates
NBT Bancorp upcoming earnings date is Apr 27, 2026, TBA (Confirmed).
Last Earnings DateJan 26, 2026
Next Earnings DateApr 27, 2026
Ex-Dividend Date―
Financial Position
NBT Bancorp as a current ratio of 1.60, with Debt / Equity ratio of 10.09%
Current Ratio1.60
Quick Ratio1.60
Debt to Market Cap0.17
Net Debt to EBITDA0.59
Interest Coverage Ratio1.05
Taxes
In the past 12 months, NBT Bancorp has paid 50.21M in taxes.
Income Tax50.21M
Effective Tax Rate0.23
Enterprise Valuation
NBT Bancorp EV to EBITDA ratio is 8.71, with an EV/FCF ratio of 9.58.
EV to Sales2.42
EV to EBITDA8.71
EV to Free Cash Flow9.58
EV to Operating Cash Flow8.92
Balance Sheet
NBT Bancorp has $185.16M in cash and marketable securities with $191.25M in debt, giving a net cash position of -$6.09M billion.
Cash & Marketable Securities$185.16M
Total Debt$191.25M
Net Cash-$6.09M
Net Cash Per Share-$0.12
Tangible Book Value Per Share$29.41
Margins
Gross margin is 73.55%, with operating margin of 25.30%, and net profit margin of 19.51%.
Gross Margin73.55%
Operating Margin25.30%
Pretax Margin25.30%
Net Profit Margin19.51%
EBITDA Margin27.79%
EBIT Margin25.30%
Analyst Forecast
The average price target for NBT Bancorp is $50.33, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$50.33
Price Target Upside21.36% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast11.63%
EPS Growth Forecast5.58%