Nbt Bancorp Stock Fundamentals
| NBTB Stock | USD 36.02 1.23 3.54% |
NBT Bancorp fundamentals help investors to digest information that contributes to NBT Bancorp's financial success or failures. It also enables traders to predict the movement of NBT Stock. The fundamental analysis module provides a way to measure NBT Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to NBT Bancorp stock.
At present, NBT Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 41.6 M, whereas Selling General Administrative is forecasted to decline to about 100.3 M. NBT | Select Account or Indicator |
NBT Bancorp Company Return On Equity Analysis
NBT Bancorp's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Current NBT Bancorp Return On Equity | 0.0914 |
Most of NBT Bancorp's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, NBT Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
NBT Return On Equity Historical Pattern
Today, most investors in NBT Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various NBT Bancorp's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's return on equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of NBT Bancorp return on equity as a starting point in their analysis.
NBT Bancorp Return On Equity |
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For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
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NBT Total Stockholder Equity
Total Stockholder Equity |
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Based on the latest financial disclosure, NBT Bancorp has a Return On Equity of 0.0914. This is 93.7% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 129.48% lower than that of the firm.
NBT Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining NBT Bancorp's current stock value. Our valuation model uses many indicators to compare NBT Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across NBT Bancorp competition to find correlations between indicators driving NBT Bancorp's intrinsic value. More Info.NBT Bancorp is considered to be number one stock in return on equity category among related companies. It is considered to be number one stock in return on asset category among related companies reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for NBT Bancorp is roughly 9.62 . At present, NBT Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting.Comparative valuation analysis is a catch-all model that can be used if you cannot value NBT Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for NBT Bancorp's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the NBT Bancorp's earnings, one of the primary drivers of an investment's value.NBT Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses NBT Bancorp's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of NBT Bancorp could also be used in its relative valuation, which is a method of valuing NBT Bancorp by comparing valuation metrics of similar companies.NBT Bancorp is currently under evaluation in return on equity category among related companies.
NBT Bancorp Current Valuation Drivers
We derive many important indicators used in calculating different scores of NBT Bancorp from analyzing NBT Bancorp's financial statements. These drivers represent accounts that assess NBT Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of NBT Bancorp's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 1.6B | 1.5B | 1.7B | 1.9B | 1.7B | 1.8B |
NBT Fundamentals
| Return On Equity | 0.0914 | ||||
| Return On Asset | 0.0095 | ||||
| Profit Margin | 0.24 % | ||||
| Operating Margin | 0.35 % | ||||
| Current Valuation | 2.2 B | ||||
| Shares Outstanding | 47.16 M | ||||
| Shares Owned By Insiders | 3.40 % | ||||
| Shares Owned By Institutions | 59.21 % | ||||
| Number Of Shares Shorted | 1.15 M | ||||
| Price To Earning | 15.56 X | ||||
| Price To Book | 1.12 X | ||||
| Price To Sales | 3.26 X | ||||
| Revenue | 665.04 M | ||||
| Gross Profit | 500.62 M | ||||
| EBITDA | 4.73 M | ||||
| Net Income | 118.78 M | ||||
| Cash And Equivalents | 321.06 M | ||||
| Cash Per Share | 7.50 X | ||||
| Total Debt | 665.61 M | ||||
| Debt To Equity | 0.26 % | ||||
| Book Value Per Share | 30.26 X | ||||
| Cash Flow From Operations | 159.45 M | ||||
| Short Ratio | 4.42 X | ||||
| Earnings Per Share | 2.65 X | ||||
| Price To Earnings To Growth | 3.82 X | ||||
| Target Price | 41.17 | ||||
| Number Of Employees | 2.03 K | ||||
| Beta | 0.51 | ||||
| Market Capitalization | 1.64 B | ||||
| Total Asset | 13.31 B | ||||
| Retained Earnings | 1.02 B | ||||
| Annual Yield | 0.04 % | ||||
| Five Year Return | 2.90 % | ||||
| Net Asset | 13.31 B | ||||
| Last Dividend Paid | 1.24 |
About NBT Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze NBT Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of NBT Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of NBT Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 665 M | 698.3 M | |
| Cost Of Revenue | 63 K | 59.9 K | |
| Stock Based Compensation To Revenue | 0.01 | 0.01 | |
| Sales General And Administrative To Revenue | 0.30 | 0.27 | |
| Research And Ddevelopement To Revenue | 0.00 | 0.00 | |
| Capex To Revenue | (0.01) | (0.01) | |
| Revenue Per Share | 14.94 | 15.68 | |
| Ebit Per Revenue | (0.03) | (0.03) |
NBT Bancorp Investors Sentiment
The influence of NBT Bancorp's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in NBT. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.
Investor biases related to NBT Bancorp's public news can be used to forecast risks associated with an investment in NBT. The trend in average sentiment can be used to explain how an investor holding NBT can time the market purely based on public headlines and social activities around NBT Bancorp. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
NBT Bancorp's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for NBT Bancorp's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average NBT Bancorp's news discussions. The higher the estimated score, the more favorable is the investor's outlook on NBT Bancorp.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards NBT Bancorp in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, NBT Bancorp's short interest history, or implied volatility extrapolated from NBT Bancorp options trading.
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When running NBT Bancorp's price analysis, check to measure NBT Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy NBT Bancorp is operating at the current time. Most of NBT Bancorp's value examination focuses on studying past and present price action to predict the probability of NBT Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move NBT Bancorp's price. Additionally, you may evaluate how the addition of NBT Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is NBT Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.24) | Dividend Share 1.24 | Earnings Share 2.65 | Revenue Per Share 11.013 | Quarterly Revenue Growth 0.013 |
The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.