NBT Long Term Debt Total vs Net Debt Analysis

NBTB Stock

USD 35.97 0.23 0.64%

NBT Bancorp financial indicator trend analysis is infinitely more than just investigating NBT Bancorp recent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether NBT Bancorp is a good investment. Please check the relationship between NBT Bancorp Long Term Debt Total and its Net Debt accounts. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

Long Term Debt Total vs Net Debt

Long Term Debt Total vs Net Debt Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of NBT Bancorp Long Term Debt Total account and Net Debt. At this time, the significance of the direction appears to have weak contrarian relationship.

The correlation between NBT Bancorp's Long Term Debt Total and Net Debt is -0.14. Overlapping area represents the amount of variation of Long Term Debt Total that can explain the historical movement of Net Debt in the same time period over historical financial statements of NBT Bancorp, assuming nothing else is changed. The correlation between historical values of NBT Bancorp's Long Term Debt Total and Net Debt is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Long Term Debt Total of NBT Bancorp are associated (or correlated) with its Net Debt. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Debt has no effect on the direction of Long Term Debt Total i.e., NBT Bancorp's Long Term Debt Total and Net Debt go up and down completely randomly.

Correlation Coefficient

-0.14

Relationship Direction	Negative
Relationship Strength	Insignificant

View All Relationships

Long Term Debt Total

Net Debt

The total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds.

Most indicators from NBT Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into NBT Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.At present, NBT Bancorp's Enterprise Value Over EBITDA is projected to increase significantly based on the last few years of reporting. The current year's Enterprise Value Multiple is expected to grow to 516.04, whereas Selling General Administrative is forecasted to decline to about 100.3 M.

	2021	2022	2023	2024 (projected)
Interest Expense	18.8M	21.9M	37.9M	41.6M
Depreciation And Amortization	2.8M	2.3M	22.3M	23.4M

Interest Expense Depreciation And Amortization

NBT Bancorp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Other Current Liab	Total Current Liabilities	Short Term Debt	Other Current Assets	Common Stock Total Equity	Common Stock	Other Liab	Accounts Payable	Long Term Debt
Total Assets		0.36	0.99	0.53	-0.06	0.97	0.4	0.68	-0.17	0.34	0.19	0.69	0.58	0.89	1.0	0.82	-0.19	-0.11	0.61	0.31	-0.34	-0.67	-0.67	0.65	0.84	-0.36
Short Long Term Debt Total	0.36		0.35	0.64	0.79	0.24	-0.35	0.03	0.62	0.85	0.12	0.68	-0.02	0.52	0.36	0.06	0.57	0.57	0.1	0.91	0.49	-0.66	-0.66	-0.13	0.29	-0.11
Total Stockholder Equity	0.99	0.35		0.53	-0.05	0.96	0.39	0.68	-0.17	0.33	0.17	0.7	0.58	0.91	0.99	0.79	-0.21	-0.12	0.62	0.32	-0.35	-0.65	-0.65	0.65	0.83	-0.41
Property Plant And Equipment Net	0.53	0.64	0.53		0.36	0.37	0.01	0.26	0.4	0.79	0.17	0.86	0.2	0.68	0.53	0.31	0.43	0.55	0.24	0.41	0.32	-0.85	-0.84	0.25	0.58	0.1
Net Debt	-0.06	0.79	-0.05	0.36		-0.12	-0.85	0.03	0.59	0.59	-0.37	0.21	0.05	0.19	-0.06	-0.14	0.43	0.62	0.15	0.75	0.48	-0.25	-0.25	-0.59	-0.19	0.06
Retained Earnings	0.97	0.24	0.96	0.37	-0.12		0.38	0.72	-0.35	0.14	0.09	0.54	0.64	0.78	0.97	0.88	-0.39	-0.29	0.66	0.22	-0.52	-0.53	-0.53	0.64	0.81	-0.37
Cash	0.4	-0.35	0.39	0.01	-0.85	0.38		-0.02	-0.37	-0.17	0.68	0.26	-0.1	0.15	0.4	0.27	-0.17	-0.46	-0.15	-0.36	-0.31	-0.19	-0.19	0.79	0.55	-0.19
Non Current Assets Total	0.68	0.03	0.68	0.26	0.03	0.72	-0.02		-0.3	-0.01	-0.51	0.11	0.99	0.63	0.68	0.86	-0.5	-0.02	0.99	-0.01	-0.45	-0.21	-0.2	0.19	0.36	-0.05
Non Currrent Assets Other	-0.17	0.62	-0.17	0.4	0.59	-0.35	-0.37	-0.3		0.82	0.08	0.34	-0.32	0.15	-0.17	-0.38	0.93	0.91	-0.22	0.6	0.97	-0.29	-0.29	-0.38	-0.17	0.04
Other Assets	0.34	0.85	0.33	0.79	0.59	0.14	-0.17	-0.01	0.82		0.25	0.77	-0.07	0.57	0.34	0.03	0.81	0.8	0.02	0.72	0.73	-0.74	-0.74	-0.02	0.32	-0.03
Cash And Short Term Investments	0.19	0.12	0.17	0.17	-0.37	0.09	0.68	-0.51	0.08	0.25		0.51	-0.61	0.11	0.19	-0.14	0.37	-0.14	-0.6	0.09	0.14	-0.35	-0.35	0.54	0.45	-0.22
Common Stock Shares Outstanding	0.69	0.68	0.7	0.86	0.21	0.54	0.26	0.11	0.34	0.77	0.51		0.0	0.78	0.69	0.3	0.41	0.29	0.07	0.56	0.23	-0.88	-0.88	0.5	0.77	-0.28
Non Current Liabilities Total	0.58	-0.02	0.58	0.2	0.05	0.64	-0.1	0.99	-0.32	-0.07	-0.61	0.0		0.54	0.58	0.81	-0.53	-0.01	0.99	-0.07	-0.46	-0.12	-0.12	0.1	0.25	0.03
Other Stockholder Equity	0.89	0.52	0.91	0.68	0.19	0.78	0.15	0.63	0.15	0.57	0.11	0.78	0.54		0.88	0.65	0.06	0.21	0.6	0.47	-0.06	-0.68	-0.68	0.43	0.69	-0.37
Total Liab	1.0	0.36	0.99	0.53	-0.06	0.97	0.4	0.68	-0.17	0.34	0.19	0.69	0.58	0.88		0.83	-0.19	-0.11	0.61	0.31	-0.34	-0.67	-0.67	0.65	0.84	-0.35
Property Plant And Equipment Gross	0.82	0.06	0.79	0.31	-0.14	0.88	0.27	0.86	-0.38	0.03	-0.14	0.3	0.81	0.65	0.83		-0.45	-0.18	0.79	-0.01	-0.5	-0.37	-0.37	0.38	0.6	-0.08
Total Current Assets	-0.19	0.57	-0.21	0.43	0.43	-0.39	-0.17	-0.5	0.93	0.81	0.37	0.41	-0.53	0.06	-0.19	-0.45		0.81	-0.46	0.48	0.96	-0.39	-0.39	-0.26	-0.11	0.14
Other Current Liab	-0.11	0.57	-0.12	0.55	0.62	-0.29	-0.46	-0.02	0.91	0.8	-0.14	0.29	-0.01	0.21	-0.11	-0.18	0.81		0.05	0.45	0.88	-0.33	-0.33	-0.44	-0.18	0.28
Total Current Liabilities	0.61	0.1	0.62	0.24	0.15	0.66	-0.15	0.99	-0.22	0.02	-0.6	0.07	0.99	0.6	0.61	0.79	-0.46	0.05		0.08	-0.39	-0.15	-0.15	0.07	0.27	-0.07
Short Term Debt	0.31	0.91	0.32	0.41	0.75	0.22	-0.36	-0.01	0.6	0.72	0.09	0.56	-0.07	0.47	0.31	-0.01	0.48	0.45	0.08		0.43	-0.41	-0.41	-0.13	0.28	-0.45
Other Current Assets	-0.34	0.49	-0.35	0.32	0.48	-0.52	-0.31	-0.45	0.97	0.73	0.14	0.23	-0.46	-0.06	-0.34	-0.5	0.96	0.88	-0.39	0.43		-0.22	-0.22	-0.43	-0.29	0.2
Common Stock Total Equity	-0.67	-0.66	-0.65	-0.85	-0.25	-0.53	-0.19	-0.21	-0.29	-0.74	-0.35	-0.88	-0.12	-0.68	-0.67	-0.37	-0.39	-0.33	-0.15	-0.41	-0.22		1.0	-0.35	-0.58	-0.08
Common Stock	-0.67	-0.66	-0.65	-0.84	-0.25	-0.53	-0.19	-0.2	-0.29	-0.74	-0.35	-0.88	-0.12	-0.68	-0.67	-0.37	-0.39	-0.33	-0.15	-0.41	-0.22	1.0		-0.35	-0.58	-0.08
Other Liab	0.65	-0.13	0.65	0.25	-0.59	0.64	0.79	0.19	-0.38	-0.02	0.54	0.5	0.1	0.43	0.65	0.38	-0.26	-0.44	0.07	-0.13	-0.43	-0.35	-0.35		0.81	-0.36
Accounts Payable	0.84	0.29	0.83	0.58	-0.19	0.81	0.55	0.36	-0.17	0.32	0.45	0.77	0.25	0.69	0.84	0.6	-0.11	-0.18	0.27	0.28	-0.29	-0.58	-0.58	0.81		-0.44
Long Term Debt	-0.36	-0.11	-0.41	0.1	0.06	-0.37	-0.19	-0.05	0.04	-0.03	-0.22	-0.28	0.03	-0.37	-0.35	-0.08	0.14	0.28	-0.07	-0.45	0.2	-0.08	-0.08	-0.36	-0.44

Click cells to compare fundamentals

NBT Bancorp Account Relationship Matchups

NBT Bancorp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	9.7B	10.9B	12.0B	11.7B	13.3B	14.0B
Short Long Term Debt Total	820.7M	406.7M	311.5M	788.0M	665.6M	573.8M
Total Stockholder Equity	1.1B	1.2B	1.3B	1.2B	1.4B	1.5B
Property Plant And Equipment Net	75.6M	74.2M	72.1M	69.0M	107.4M	63.5M
Net Debt	603.8M	(266.0M)	(957.6M)	590.6M	460.4M	384.4M
Retained Earnings	696.2M	749.1M	856.2M	958.4M	1.0B	1.1B
Cash	216.8M	672.7M	1.3B	197.4M	205.2M	189.4M
Non Current Assets Total	2.0B	2.4B	2.8B	2.8B	13.1B	13.7B
Non Currrent Assets Other	(44.0M)	(62.3M)	(63.0M)	(136.1M)	415.0M	394.2M
Other Assets	6.5B	6.5B	6.2B	7.2B	8.3B	6.6B
Cash And Short Term Investments	1.2B	2.0B	3.0B	1.7B	(173.8M)	(165.1M)
Common Stock Shares Outstanding	44.1M	44.0M	43.7M	43.2M	44.8M	34.4M
Liabilities And Stockholders Equity	9.7B	10.9B	12.0B	11.7B	13.3B	14.0B
Non Current Liabilities Total	165.4M	238.3M	213.7M	585.0M	6.9B	7.2B
Other Stockholder Equity	442.7M	437.6M	417.1M	404.7M	564.3M	592.5M
Total Liab	8.6B	9.7B	10.8B	10.6B	11.9B	12.5B
Property Plant And Equipment Gross	75.6M	74.2M	184.4M	189.8M	243.5M	255.7M
Total Current Assets	1.2B	2.0B	3.0B	1.7B	247.9M	235.5M
Other Current Liab	(655.3M)	(168.4M)	(97.8M)	(585.0M)	4.6B	2.7B
Total Current Liabilities	655.3M	168.4M	97.8M	585.0M	5.0B	5.3B
Accumulated Other Comprehensive Income	(19.0M)	417K	(23.3M)	(190.0M)	(160.9M)	(152.9M)
Short Term Debt	655.3M	168.4M	97.8M	585.0M	393.8M	324.1M
Other Current Assets	218.3M	674.1M	1.3B	230.5M	247.9M	235.5M
Other Liab	107.9M	256.9M	215.7M	139.1M	159.9M	96.3M
Accounts Payable	7.6B	9.1B	10.2B	9.5B	10.9B	5.9B
Long Term Debt	101.2M	199.2M	213.7M	202.9M	250.7M	250.6M
Short Term Investments	975.3M	1.3B	1.7B	1.5B	1.4B	1.1B
Treasury Stock	(138.2M)	(136.1M)	(134.0M)	(140.4M)	(126.4M)	(132.7M)
Intangible Assets	12.0M	11.7M	8.9M	7.3M	40.4M	42.5M
Property Plant Equipment	75.6M	74.2M	72.1M	69.0M	79.4M	78.5M
Net Tangible Assets	833.6M	895.3M	961.0M	885.0M	1.0B	732.6M
Retained Earnings Total Equity	696.2M	749.1M	856.2M	958.4M	1.1B	575.4M
Long Term Debt Total	101.2M	199.2M	199.7M	198.1M	178.3M	204.4M
Capital Surpluse	576.7M	578.1M	577.0M	577.9M	664.5M	565.2M
Long Term Investments	7.7B	8.0B	2.5B	2.5B	2.4B	4.2B
Non Current Liabilities Other	251.2M	296.0M	229.7M	286.7M	329.7M	346.2M

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When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock:

How To Invest In NBT

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Is NBT Stock a good investment?

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What is NBT Bancorp's Net Worth?

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Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

You can also try the AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.

Complementary Tools for NBT Stock analysis

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

(0.09)

Dividend Share

1.26

Earnings Share

2.58

Revenue Per Share

11.054

Quarterly Revenue Growth

0.101

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.

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NBT Long Term Debt Total vs Net Debt Analysis

Long Term Debt Total vs Net Debt

Long Term Debt Total vs Net Debt Correlation Analysis

Correlation Coefficient

Long Term Debt Total

Net Debt

NBT Bancorp fundamental ratios Correlations

NBT Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

NBT Bancorp fundamental ratios Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

Complementary Tools for NBT Stock analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Common Stock	+ 1.0	Common Stock Total Equity
Total Stockholder Equity	+ 0.99	Total Assets
Total Liab	+ 0.99	Total Stockholder Equity
Non Current Liabilities Total	+ 0.99	Non Current Assets Total
Total Current Liabilities	+ 0.99	Non Current Assets Total

Common Stock	- 0.88	Common Stock Shares Outstanding
Common Stock Total Equity	- 0.88	Common Stock Shares Outstanding
Cash	- 0.85	Net Debt
Common Stock Total Equity	- 0.85	Property Plant And Equipment Net
Common Stock	- 0.84	Property Plant And Equipment Net
Common Stock	- 0.74	Other Assets