NBT Financial Ratios Analysis

NBTB Stock

USD 35.90 0.12 0.33%

Most ratios from NBT Bancorp's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios 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 fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out NBT Bancorp Valuation and NBT Bancorp Correlation analysis.

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

At present, NBT Bancorp's Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's PTB Ratio is expected to grow to 1.80, whereas Price To Sales Ratio is forecasted to decline to 2.62.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.At present, NBT Bancorp's Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's PTB Ratio is expected to grow to 1.80, whereas Price To Sales Ratio is forecasted to decline to 2.62.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0285	0.0267	0.0299	0.0345
Price To Sales Ratio	3.51	3.62	2.81	2.62

Dividend Yield Price To Sales Ratio

NBT Bancorp fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Book Value Per Share	Free Cash Flow Yield	Invested Capital	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		-0.91	0.76	0.34	-0.81	0.42	0.5	0.33	0.76	0.73	0.53	0.13	0.38	0.71	0.32	0.8	0.57	-0.16	0.71	0.72	-0.56	0.22	0.62	0.49	0.35	0.57
Dividend Yield	-0.91		-0.68	-0.33	0.62	-0.18	-0.5	-0.56	-0.68	-0.58	-0.53	-0.13	-0.38	-0.72	-0.16	-0.7	-0.49	0.28	-0.75	-0.61	0.43	-0.2	-0.46	-0.44	-0.35	-0.4
Ptb Ratio	0.76	-0.68		0.48	-0.66	0.4	0.2	0.21	1.0	0.75	0.23	-0.28	0.39	0.68	0.04	0.82	0.2	0.31	0.58	0.81	-0.17	0.14	0.8	0.77	0.08	0.78
Book Value Per Share	0.34	-0.33	0.48		-0.56	-0.16	0.56	0.34	0.48	0.14	0.57	-0.34	0.86	0.76	0.41	0.53	0.17	0.15	0.59	0.53	-0.37	0.28	0.26	0.27	0.25	0.26
Free Cash Flow Yield	-0.81	0.62	-0.66	-0.56		-0.43	-0.5	0.0	-0.66	-0.67	-0.5	0.17	-0.48	-0.63	-0.47	-0.87	-0.38	-0.05	-0.45	-0.84	0.72	-0.16	-0.72	-0.45	-0.25	-0.7
Invested Capital	0.42	-0.18	0.4	-0.16	-0.43		0.17	-0.43	0.4	0.84	0.16	-0.14	-0.16	0.11	0.07	0.24	0.04	0.18	0.13	0.21	-0.15	-0.01	0.69	0.32	-0.03	0.68
Operating Cash Flow Per Share	0.5	-0.5	0.2	0.56	-0.5	0.17		0.22	0.2	0.26	1.0	0.27	0.75	0.58	0.64	0.19	0.57	-0.54	0.64	0.1	-0.7	0.6	0.06	-0.22	0.68	0.01
Capex To Depreciation	0.33	-0.56	0.21	0.34	0.0	-0.43	0.22		0.21	-0.05	0.27	0.06	0.28	0.67	-0.08	0.26	0.17	-0.15	0.74	0.19	0.05	-0.07	-0.08	0.24	0.06	-0.13
Pb Ratio	0.76	-0.68	1.0	0.48	-0.66	0.4	0.2	0.21		0.75	0.23	-0.28	0.39	0.68	0.04	0.82	0.2	0.31	0.58	0.81	-0.17	0.14	0.8	0.77	0.08	0.78
Ev To Sales	0.73	-0.58	0.75	0.14	-0.67	0.84	0.26	-0.05	0.75		0.27	-0.26	0.05	0.48	-0.06	0.63	0.12	0.24	0.44	0.59	-0.22	-0.05	0.92	0.63	0.0	0.89
Free Cash Flow Per Share	0.53	-0.53	0.23	0.57	-0.5	0.16	1.0	0.27	0.23	0.27		0.27	0.75	0.62	0.62	0.22	0.58	-0.54	0.68	0.12	-0.68	0.59	0.07	-0.19	0.68	0.01
Roic	0.13	-0.13	-0.28	-0.34	0.17	-0.14	0.27	0.06	-0.28	-0.26	0.27		0.13	-0.22	0.3	-0.31	0.71	-0.83	0.0	-0.37	-0.39	0.62	-0.52	-0.66	0.7	-0.55
Net Income Per Share	0.38	-0.38	0.39	0.86	-0.48	-0.16	0.75	0.28	0.39	0.05	0.75	0.13		0.63	0.57	0.36	0.51	-0.28	0.56	0.34	-0.59	0.72	0.05	-0.1	0.68	0.04
Capex To Revenue	0.71	-0.72	0.68	0.76	-0.63	0.11	0.58	0.67	0.68	0.48	0.62	-0.22	0.63		0.3	0.7	0.31	0.07	0.93	0.63	-0.32	0.11	0.48	0.53	0.17	0.43
Cash Per Share	0.32	-0.16	0.04	0.41	-0.47	0.07	0.64	-0.08	0.04	-0.06	0.62	0.3	0.57	0.3		0.18	0.62	-0.36	0.29	0.14	-0.67	0.48	-0.13	-0.24	0.45	-0.15
Pocfratio	0.8	-0.7	0.82	0.53	-0.87	0.24	0.19	0.26	0.82	0.63	0.22	-0.31	0.36	0.7	0.18		0.22	0.24	0.49	0.99	-0.45	-0.02	0.78	0.71	0.04	0.76
Interest Coverage	0.57	-0.49	0.2	0.17	-0.38	0.04	0.57	0.17	0.2	0.12	0.58	0.71	0.51	0.31	0.62	0.22		-0.59	0.4	0.15	-0.63	0.65	-0.07	-0.23	0.68	-0.11
Payout Ratio	-0.16	0.28	0.31	0.15	-0.05	0.18	-0.54	-0.15	0.31	0.24	-0.54	-0.83	-0.28	0.07	-0.36	0.24	-0.59		-0.11	0.33	0.58	-0.66	0.48	0.72	-0.8	0.53
Capex To Operating Cash Flow	0.71	-0.75	0.58	0.59	-0.45	0.13	0.64	0.74	0.58	0.44	0.68	0.0	0.56	0.93	0.29	0.49	0.4	-0.11		0.39	-0.24	0.18	0.31	0.39	0.26	0.24
Pfcf Ratio	0.72	-0.61	0.81	0.53	-0.84	0.21	0.1	0.19	0.81	0.59	0.12	-0.37	0.34	0.63	0.14	0.99	0.15	0.33	0.39		-0.39	-0.05	0.78	0.73	-0.02	0.78
Income Quality	-0.56	0.43	-0.17	-0.37	0.72	-0.15	-0.7	0.05	-0.17	-0.22	-0.68	-0.39	-0.59	-0.32	-0.67	-0.45	-0.63	0.58	-0.24	-0.39		-0.6	-0.16	0.27	-0.73	-0.14
Roe	0.22	-0.2	0.14	0.28	-0.16	-0.01	0.6	-0.07	0.14	-0.05	0.59	0.62	0.72	0.11	0.48	-0.02	0.65	-0.66	0.18	-0.05	-0.6		-0.18	-0.52	0.93	-0.19
Ev To Operating Cash Flow	0.62	-0.46	0.8	0.26	-0.72	0.69	0.06	-0.08	0.8	0.92	0.07	-0.52	0.05	0.48	-0.13	0.78	-0.07	0.48	0.31	0.78	-0.16	-0.18		0.77	-0.18	1.0
Pe Ratio	0.49	-0.44	0.77	0.27	-0.45	0.32	-0.22	0.24	0.77	0.63	-0.19	-0.66	-0.1	0.53	-0.24	0.71	-0.23	0.72	0.39	0.73	0.27	-0.52	0.77		-0.55	0.77
Return On Tangible Assets	0.35	-0.35	0.08	0.25	-0.25	-0.03	0.68	0.06	0.08	0.0	0.68	0.7	0.68	0.17	0.45	0.04	0.68	-0.8	0.26	-0.02	-0.73	0.93	-0.18	-0.55		-0.2
Ev To Free Cash Flow	0.57	-0.4	0.78	0.26	-0.7	0.68	0.01	-0.13	0.78	0.89	0.01	-0.55	0.04	0.43	-0.15	0.76	-0.11	0.53	0.24	0.78	-0.14	-0.19	1.0	0.77	-0.2

Click cells to compare fundamentals

NBT Bancorp Account Relationship Matchups

NBT Bancorp fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	3.94	3.06	3.51	3.62	2.81	2.62
Dividend Yield	0.0259	0.0337	0.0285	0.0267	0.0299	0.0345
Ptb Ratio	1.48	1.59	1.18	1.34	1.31	1.8
Book Value Per Share	25.57	27.18	28.8	27.34	32.02	33.62
Free Cash Flow Yield	0.0826	0.0957	0.0896	0.0946	0.0805	0.11
Invested Capital	0.73	0.34	0.25	0.67	0.45	0.43
Pb Ratio	1.48	1.59	1.18	1.34	1.31	1.8
Ev To Sales	5.27	2.48	1.5	4.76	3.5	3.82
Roic	0.0623	0.0655	0.0992	0.0861	(0.006557)	(0.00623)
Net Income Per Share	2.76	2.39	3.57	3.54	2.67	2.8
Capex To Revenue	(0.0147)	(0.0178)	(0.0163)	(0.0136)	(0.0139)	(0.0146)
Cash Per Share	27.21	46.26	68.09	40.18	36.74	19.07
Pocfratio	11.58	9.85	10.61	10.17	11.7	11.98
Interest Coverage	2.78	4.08	10.64	9.97	(0.46)	(0.44)
Pfcf Ratio	12.1	10.45	11.16	10.57	12.43	13.81
Income Quality	1.27	1.36	1.02	1.21	1.34	2.23
Pe Ratio	14.68	13.44	10.8	12.26	15.71	21.49
Ev To Free Cash Flow	16.22	8.47	4.77	13.93	15.49	19.62
Earnings Yield	0.0681	0.0744	0.0926	0.0816	0.0637	0.0526
Current Ratio	1.82	12.0	30.23	2.95	0.0494	0.047
Graham Number	39.86	38.22	48.08	46.68	43.84	46.03
Debt To Equity	0.73	0.34	0.25	0.67	0.45	0.43
Graham Net Net	(168.97)	(176.78)	(179.76)	(206.01)	(230.13)	(241.64)
Revenue Per Share	10.3	10.5	10.96	12.0	14.94	15.68

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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 NBT Bancorp Valuation and NBT Bancorp Correlation analysis.

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

You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.

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

2.65

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 Financial Ratios Analysis

NBT Bancorp fundamentals Correlations

NBT Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

NBT Bancorp fundamentals Accounts

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

Complementary Tools for NBT Stock analysis

COMMON DESTINATIONS

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Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Ev To Free Cash Flow	+ 1.0	Ev To Operating Cash Flow
Pfcf Ratio	+ 0.99	Pocfratio
Capex To Operating Cash Flow	+ 0.93	Capex To Revenue
Return On Tangible Assets	+ 0.93	Roe

Dividend Yield	- 0.91	Price To Sales Ratio
Pocfratio	- 0.87	Free Cash Flow Yield
Pfcf Ratio	- 0.84	Free Cash Flow Yield
Payout Ratio	- 0.83	Roic
Free Cash Flow Yield	- 0.81	Price To Sales Ratio
Return On Tangible Assets	- 0.8	Payout Ratio