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NBTB

NBTB - NBT Bancorp Inc Stock Price, Fair Value and News

36.54USD-0.20 (-0.54%)Delayed as of 28 Mar 2024, 11:00 am ET

Market Summary

NBTB
USD36.54-0.20
Delayedas of 28 Mar 2024, 11:00 am
-0.54%

NBTB Alerts

  • Big jump in Revenue (Y/Y)

NBTB Stock Price

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NBTB RSI Chart

NBTB Valuation

Market Cap

1.7B

Price/Earnings (Trailing)

14.58

Price/Sales (Trailing)

3.31

EV/EBITDA

2.87

Price/Free Cashflow

11

NBTB Price/Sales (Trailing)

NBTB Profitability

EBT Margin

29.35%

Return on Equity

8.33%

Return on Assets

0.89%

Free Cashflow Yield

9.09%

NBTB Fundamentals

NBTB Revenue

Revenue (TTM)

522.8M

Rev. Growth (Yr)

38.24%

Rev. Growth (Qtr)

10.08%

NBTB Earnings

Earnings (TTM)

118.8M

Earnings Growth (Yr)

-15.71%

Earnings Growth (Qtr)

23.73%

Breaking Down NBTB Revenue

52 Week Range

27.5338.11
(Low)(High)

Last 7 days

4.7%

Last 30 days

1.3%

Last 90 days

-16.4%

Trailing 12 Months

-8.4%

How does NBTB drawdown profile look like?

NBTB Financial Health

Debt/Equity

0.05

Debt/Cashflow

2.14

NBTB Investor Care

Dividend Yield

3.38%

Dividend/Share (TTM)

1.24

Shares Dilution (1Y)

9.91%

Diluted EPS (TTM)

2.66

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2023414.1M443.2M481.0M522.8M
2022339.8M347.2M364.2M384.1M
2021343.2M339.8M337.0M339.9M
2020365.6M359.8M352.4M348.3M
2019354.8M363.3M367.5M367.5M
2018315.7M324.6M334.0M344.3M
2017291.4M295.9M302.3M309.4M
2016276.0M279.6M282.6M286.9M
2015274.2M273.5M273.9M273.2M
2014276.4M275.3M274.8M275.1M
2013241.2M252.1M260.4M268.7M
2012238.5M236.9M238.4M239.4M
2011250.3M246.0M242.4M240.0M
2010269.5M265.7M261.4M255.7M
20090287.4M280.4M273.4M
2008000294.4M

Tracking the Latest Insider Buys and Sells of NBT Bancorp Inc

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Mar 18, 2024
kingsley scott allen
acquired
-
-
4,086
evp & chief financial officer
Mar 18, 2024
stagliano joseph r
acquired
-
-
3,501
evp president of retail & cio
Mar 18, 2024
hyle shaunastar
acquired
-
-
2,652
evp, consumer lending
Mar 18, 2024
mahoney ruth h
acquired
-
-
3,228
evp/president of wealth mgmt
Mar 18, 2024
wiles amy
acquired
-
-
2,966
evp, chief risk and credit
Mar 18, 2024
watt john h jr
acquired
-
-
10,894
president & ceo nbt bancorp
Mar 18, 2024
halliday sarah a
acquired
-
-
3,060
evp/president comm banking
Mar 18, 2024
sparks martin randolph
acquired
-
-
3,433
evp,general counsel,secretary
Mar 15, 2024
wiles amy
sold
-21,550
33.62
-641
evp, chief risk and credit
Feb 15, 2024
wiles amy
sold (taxes)
-12,862
35.63
-361
evp, chief risk and credit

1–10 of 50

Which funds bought or sold NBTB recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 22, 2024
PNC FINANCIAL SERVICES GROUP, INC.
reduced
-2.93
350,495
1,585,450
-%
Mar 15, 2024
B. Riley Wealth Advisors, Inc.
sold off
-100
-287,034
-
-%
Mar 11, 2024
VANGUARD GROUP INC
added
2.29
61,676,900
236,475,000
-%
Mar 01, 2024
GOLDMAN SACHS GROUP INC
added
107
28,179,700
44,337,900
-%
Feb 28, 2024
AMERICAN INTERNATIONAL GROUP, INC.
reduced
-0.87
248,560
1,047,750
-%
Feb 26, 2024
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
unchanged
-
143,000
586,000
-%
Feb 23, 2024
MENDON CAPITAL ADVISORS CORP
new
-
1,676,400
1,676,400
0.70%
Feb 20, 2024
Quarry LP
sold off
-100
-5,546
-
-%
Feb 16, 2024
PRICE T ROWE ASSOCIATES INC /MD/
added
5.35
454,000
1,609,000
-%
Feb 16, 2024
PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO
reduced
-87.85
-132,686
25,314
-%

1–10 of 46

Are Funds Buying or Selling NBTB?

Are funds buying NBTB calls or puts?
Calls
Puts
No. of funds holding Calls - Puts
Net Call Options
No. of funds that own NBTB
No. of Funds

Unveiling NBT Bancorp Inc's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 13, 2024
vanguard group inc
11.98%
5,642,317
SC 13G/A
Jan 23, 2024
blackrock inc.
14.3%
6,724,989
SC 13G/A
Feb 09, 2023
vanguard group inc
11.30%
4,841,817
SC 13G/A
Jan 23, 2023
blackrock inc.
14.0%
5,998,051
SC 13G/A
Feb 10, 2022
vanguard group inc
10.87%
4,714,262
SC 13G/A
Jan 27, 2022
blackrock inc.
14.6%
6,337,141
SC 13G/A
Jan 25, 2022
blackrock inc.
14.6%
6,337,141
SC 13G/A
Feb 10, 2021
vanguard group inc
10.27%
4,479,989
SC 13G/A
Jan 26, 2021
blackrock inc.
14.3%
6,240,444
SC 13G/A
Feb 12, 2020
vanguard group inc
10.50%
4,601,966
SC 13G/A

Recent SEC filings of NBT Bancorp Inc

View All Filings
Date Filed Form Type Document
Mar 26, 2024
S-3ASR
S-3ASR
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 18, 2024
4
Insider Trading
Mar 01, 2024
8-K
Current Report

What is the Fair Value of NBTB?

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Cheap
or
Expensive?


Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224


Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index
Very Expensive Stocks
Very Cheap Stocks

Peers (Alternatives to NBT Bancorp Inc)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
574.7B
171.1B
9.83% 42.39%
11.6
3.36
60.72% 31.52%
297.7B
130.3B
8.68% 33.18%
11.23
2.29
79.51% -3.68%
206.2B
85.7B
10.06% 39.05%
10.77
2.41
41.49% 39.96%
120.0B
133.3B
10.88% 37.45%
13
0.9
79.09% -
16.4B
10.2B
11.38% -2.76%
10.23
1.61
44.53% -22.43%
14.6B
7.9B
6.82% 30.36%
15.11
1.84
46.47% -49.56%
MID-CAP
7.2B
4.2B
2.60% 18.49%
8.16
1.72
56.25% -23.46%
6.4B
3.9B
0.02% 35.77%
9.4
1.62
45.91% -25.03%
3.3B
1.3B
-0.91% 7.40%
12.35
2.6
43.24% -22.35%
3.2B
2.0B
-1.30% -0.93%
17.55
1.64
70.97% -50.03%
SMALL-CAP
509.4M
120.2M
2.72% 45.71%
19.47
4.24
25.23% -24.02%
428.7M
164.9M
-6.65% 19.35%
36.65
2.6
42.66% -70.76%
411.8M
162.6M
-0.86% -7.25%
13.69
2.53
25.39% -38.37%
313.8M
96.6M
-6.16% 2.24%
9.9
3.25
11.02% -11.37%
46.8M
60.9M
-6.19% -32.56%
-13.99
0.77
24.06% -144.92%

NBT Bancorp Inc News

Latest updates
Seeking Alpha • 43 hours ago
Defense World • 24 Mar 2024 • 12:22 pm
Defense World • 24 Mar 2024 • 05:46 am
MarketBeat • 22 Mar 2024 • 07:42 pm
Yahoo Finance • 22 Mar 2024 • 01:03 pm
Simply Wall St • 01 Feb 2024 • 08:00 am

NBT Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue10.1%15113712111410999.0091.0084.0089.0082.0084.0084.0086.0085.0087.0089.0091.0092.0093.0091.0091.00
EBITDA Margin-9.3%1.02*1.12*1.26*1.37*1.45*1.50*1.52*1.53*1.53*1.52*1.50*1.43*---------
Interest Expenses4.5%99.0095.0089.0095.0010094.0088.0080.0085.0078.0079.0079.0080.0078.0080.0077.0077.0078.0079.0078.0079.00
Income Taxes31.6%9.007.009.0010.0011.0011.0011.0011.0011.0011.0012.0011.009.0011.007.002.008.009.009.008.001.00
Earnings Before Taxes25.5%40.0032.0039.0043.0047.0050.0049.0050.0048.0048.0052.0051.0044.0046.0031.0012.0037.0042.0039.0037.0029.00
EBT Margin-11.9%0.29*0.33*0.40*0.46*0.51*0.54*0.56*0.59*0.59*0.58*0.57*0.50*---------
Net Income23.7%30.0025.0030.0034.0036.0039.0038.0039.0037.0037.0040.0040.0034.0035.0025.0010.0029.0032.0031.0029.0029.00
Net Income Margin-12.2%0.23*0.26*0.31*0.35*0.40*0.42*0.44*0.45*0.46*0.45*0.44*0.39*---------
Free Cashflow-34.7%36.0055.0045.0022.0030.0049.0069.0035.0022.0041.0053.0042.00---------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets-3.8%13,30913,82811,89011,84011,73911,64111,72012,14812,01211,99411,57511,53710,93310,85010,8479,9549,7169,6619,6369,5349,556
    Cash Equivalents-69.5%2056732022301973215241,0941,2691,3461,0671,155673617699283217274189177181
  Net PPE-2.6%81.0083.0067.0068.0069.0069.0069.0071.0072.0072.0072.0073.0074.0073.0075.0077.0076.0076.0077.0078.0079.00
  Goodwill0.5%362360281281281281281281281281281281281281281275275275275275275
Liabilities-4.7%11,88312,46510,68010,62810,56610,48410,53210,94610,76210,75310,35010,3469,7459,6849,7058,8418,5968,5638,5618,4998,538
  Short Term Borrowings-21.1%38749065247558575.0063.0065.00-10091.0095.0025.00183340549447443609545631
  Long Term Debt---------------------74.00
Shareholder's Equity4.6%1,4261,3631,2101,2121,1741,1571,1891,2021,2501,2411,2251,1911,1881,1661,1431,1121,1201,0991,0751,0341,018
  Retained Earnings1.5%1,0221,006997980958935909883856831806777749727703679696679658628621
  Additional Paid-In Capital0.0%741741578578578578577577577577577579578578577577577576576576575
Float---1,320---1,558---1,512---1,302---1,594--
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations-34.7%36.0055.0045.0022.0030.0049.0069.0035.0022.0041.0053.0042.0038.0030.0036.0041.0050.0042.0023.0039.0048.00
  Share Based Compensation17.0%1.001.001.002.001.001.001.002.001.001.001.003.001.001.001.003.001.000.001.003.000.00
Cashflow From Investing-27.6%48.0067.00-83.40-75.56-227-141-174-383-116-164-92.62-174-53.93-86.50-459-112-13170.00-61.1558.00-17.23
Cashflow From Financing-257.7%-55135010.0086.0074.00-110-46417317.00403-48.8461471.00-25.9084013825.00-27.8551.00-101-24.43
  Dividend Payments0.0%15.0015.0013.0013.0013.0013.0012.0012.0012.0012.0012.0012.0012.0012.000.0024.0012.0011.000.0023.0011.00
  Buy Backs-100.0%-2.003.00---7.008.008.004.001.009.00---8.00-----

NBTB Income Statement

2023-12-31
Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Interest, fee and dividend income   
Interest and fees on loans$ 462,669$ 332,768$ 302,175
Securities available for sale29,81229,65323,305
Securities held to maturity20,68117,58212,551
Other9,6274,0671,845
Total interest, fee and dividend income522,789384,070339,876
Interest expense   
Deposits104,6419,92310,714
Short-term borrowings25,6082,623158
Long-term debt925161389
Subordinated debt6,0765,4245,437
Junior subordinated debt7,3203,7492,090
Total interest expense144,57021,88018,788
Net interest income378,219362,190321,088
Provision for loan losses25,27417,147(8,257)
Net interest income after provision for loan losses352,945345,043329,345
Noninterest income   
Service charges on deposit accounts15,42514,63013,348
Card services income20,82929,05834,682
Retirement plan administration fees47,22148,11242,188
Wealth management34,76333,31133,718
Insurance services15,66714,69614,083
Bank owned life insurance income6,7506,0446,217
Net securities (losses) gains(9,315)(1,131)566
Other10,83810,85812,992
Total noninterest income142,178155,578157,794
Noninterest expense   
Salaries and employee benefits194,250187,830172,580
Technology and data services38,16335,71234,717
Occupancy28,40826,28226,048
Professional fees and outside services17,60116,81016,306
Office supplies and postage6,9176,1406,006
FDIC assessment6,2573,1973,041
Advertising3,0542,8222,521
Amortization of intangible assets4,7342,2632,808
Loan collection and other real estate owned, net2,6182,6472,915
Acquisition expenses9,9789670
Other29,68419,79520,339
Total noninterest expense341,664304,465287,281
Income before income tax expense153,459196,156199,858
Income tax expense34,67744,16144,973
Net income$ 118,782$ 151,995$ 154,885
Earnings per share   
Basic (in dollars per share)$ 2.67$ 3.54$ 3.57
Diluted (in dollars per share)$ 2.65$ 3.52$ 3.54

NBTB Balance Sheet

2023-12-31
Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2023
Dec. 31, 2022
Assets  
Cash and due from banks$ 173,811$ 166,488
Short-term interest-bearing accounts31,37830,862
Equity securities, at fair value37,59130,784
Securities available for sale, at fair value1,430,8581,527,225
Securities held to maturity (fair value $814,524 and $812,647, respectively)905,267919,517
Federal Reserve and Federal Home Loan Bank stock45,86144,713
Loans held for sale3,371562
Loans9,650,7138,150,147
Less allowance for loan losses114,400100,800
Net loans9,536,3138,049,347
Premises and equipment, net80,67569,047
Goodwill361,851281,204
Intangible assets, net40,4437,341
Bank owned life insurance265,732232,409
Other assets395,889379,797
Total assets13,309,04011,739,296
Liabilities  
Demand (noninterest bearing)3,413,8293,617,324
Savings, NOW and money market6,230,4565,444,837
Time1,324,709433,772
Total deposits10,968,9949,495,933
Short-term borrowings386,651585,012
Long-term debt29,7964,815
Subordinated debt, net119,74496,927
Junior subordinated debt101,196101,196
Other liabilities276,968281,859
Total liabilities11,883,34910,565,742
Stockholders' equity  
Preferred stock, $0.01 par value, 2,500,000 shares authorized00
Common stock, $0.01 par value, 100,000,000 shares authorized; 53,974,492 and 49,651,493 shares issued, respectively540497
Additional paid-in-capital740,943577,853
Retained earnings1,021,831958,433
Accumulated other comprehensive loss(160,934)(190,034)
Common stock in treasury, at cost, 6,864,593 and 6,793,670 shares, respectively(176,689)(173,195)
Total stockholders' equity1,425,6911,173,554
Total liabilities and stockholders' equity$ 13,309,040$ 11,739,296
NBTB
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. It operates in central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
 CEO
 WEBSITEwww.nbtbancorp.com
 EMPLOYEES1861

NBT Bancorp Inc Frequently Asked Questions


What is the ticker symbol for NBT Bancorp Inc? What does NBTB stand for in stocks?

NBTB is the stock ticker symbol of NBT Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of NBT Bancorp Inc (NBTB)?

As of Wed Mar 27 2024, market cap of NBT Bancorp Inc is 1.73 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of NBTB stock?

You can check NBTB's fair value in chart for subscribers.

What is the fair value of NBTB stock?

You can check NBTB's fair value in chart for subscribers. The fair value of NBT Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of NBT Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for NBTB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is NBT Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether NBTB is over valued or under valued. Whether NBT Bancorp Inc is cheap or expensive depends on the assumptions which impact NBT Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for NBTB.

What is NBT Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Mar 27 2024, NBTB's PE ratio (Price to Earnings) is 14.58 and Price to Sales (PS) ratio is 3.31. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. NBTB PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on NBT Bancorp Inc's stock?

In the past 10 years, NBT Bancorp Inc has provided 0.061 (multiply by 100 for percentage) rate of return.