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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 $52.08, about 27.3% overvalued vs fair value, +21.0% 1Y return, ranked 297/1078 in sector.
Metrics P/E 12.5× Rev Growth 20.9% ROE 9.9% Gross Margin 90.1% Div Yield 3.34%
USD 52.08
-0.48%
(Delayed)
• Vol 90d: 22.2%
52-Week Range
Market Cap
$2.55B
Enterprise Value
$2.01B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Dividend Jun 15

Fair Value Snapshot

Bear Base Bull
$21
$38
$71
Current: $52.08 -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
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

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 (38.9%), Profitability (27.8%), and Safety (33.3%). Growth 39% Safety 33% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

77th percentile vs peers
78
Key Signals
NII Growth YoY 25.4% 85p Asset Growth YoY 16.0% 85p Equity Growth YoY 24.2% 89p EPS Growth YoY 12.2% 41p
Strengths
  • NII Growth YoY in top 20% of peers (25.4%, 85th 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

55th percentile vs peers
56
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
Safety drilldowns are available to premium members.

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:

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  • 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
$37.86
- - -
-27.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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