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Company Analysis

NBT Bancorp Inc. NBTB

A comprehensive view of key metrics, scores, and financial health for NBT Bancorp Inc.

Overview of NBT Bancorp Inc.

NBTB NMS
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
NBT Bancorp Inc. (NBTB), is a Mid Cap company, in the Banks - Regional industry, last closed at $52.89, about 27.2% overvalued vs fair value, +32.5% 1Y return, ranked 438/1078 in sector.
Metrics P/E 12.5× Rev Growth 20.9% ROE 9.9% Gross Margin 90.1% Div Yield 3.34%
USD 52.89
-0.45%
(Delayed)
• Vol 90d: 17.5%
52-Week Range
Market Cap
$2.75B
Enterprise Value
$2.77B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 94%
Confidence: 93%
Updated: Oct 24
Top Beats
No strong beats yet

Quick Facts

Website https://www.nbtbancorp.com
HQ Norwich, NY
Fiscal year Dec 31

Next Events

Earnings Call Oct 28

Fair Value Snapshot

Bear Base Bull
$21
$39
$72
Current: $52.89 -27% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$711.0M
16.2%%
Interest Expense
$209.4M
Net Interest Income
$501.5M
25.3%%
Total Revenue
$694.4M
20.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.9%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$82.8M
48.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating NBT Bancorp Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.84), exceeding regulatory minimums.
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.72).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
55
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing NBTB's balance between Growth (38.7%), Profitability (28.1%), and Safety (33.2%). Growth 39% Safety 33% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

77th percentile vs peers
78
Key Signals
NII Growth YoY 25.4% 86p Asset Growth YoY 16.0% 85p Equity Growth YoY 24.2% 89p EPS Growth YoY 12.2% 40p
Strengths
  • NII Growth YoY in top 20% of peers (25.4%, 86th percentile)
  • Asset Growth YoY in top 20% of peers (16.0%, 85th percentile)
  • Equity Growth YoY in top 20% of peers (24.2%, 89th percentile)
  • Debt/Assets in top 20% of peers (1.1%, 86th percentile)
  • D/E Ratio in top 20% of peers (9.5%, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for NBT Bancorp Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$38.52
- - -
-27.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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