NBT Bancorp Inc. Financial Ratios — NBTB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.81	9.74	8.83	8.93	8.75	8.73	8.78	11.39	11.32	9.05	12.71	12.54	9.14	9.53	9.89
Return on Assets (%)	1.06	0.94	0.9	0.97	0.95	0.92	0.91	1.2	1.26	1.01	1.35	1.28	0.95	1.04	1.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.06	3.35	3.79	3.76	3.71	3.44	3.26	3.13	4.5	4.48	4.18	3.7	4.3	4.79	4.83
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	28.48	26.78	26.56	31.61	32.02	31.54	32.1	32.15	34.43	29.02	41.99	38.08	29.64	31.24	31.6
Profit Margin (%)	20.83	18.88	18.23	21.13	20.98	20.81	20.58	26.41	26.81	22.76	32.54	29.51	22.94	24.48	24.37
Net Income to Common Margin (%)	20.83	18.88	18.23	21.13	20.98	20.81	20.58	26.41	26.81	22.76	32.54	29.51	22.94	24.48	24.37
Effective Tax Rate (%)	26.87	29.49	31.35	33.15	34.47	34	35.9	17.84	22.14	21.56	22.5	22.51	22.6	21.63	22.88
Dvd Payout Ratio (%)	46.74	48.96	54.28	49.16	49.92	49.59	48.82	38.44	38.02	45.22	30.82	32.74	47.05	44.27	42.9
Sustainable Growth Rate (%)	5.76	4.97	4.04	4.54	4.38	4.4	4.49	7.01	7.02	4.95	8.79	8.43	4.84	5.31	5.65

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	627	606	866	549	674	887	909	1,047	821	263	214	702	544	268	179
ST Debt	182	163	456	317	442	682	719	872	655	25	- -	499	293	16	- -
LT Debt	446	443	410	232	232	205	190	175	165	238	214	203	251	252	179
Total Debt/EBITDA	73.73	62.65	67.56	41.05	49.9	68.49	69.85	78.56	40.4	12.82	10.75	36.83	24.41	9.75	5.35
Net Debt/EBITDA	58.52	45.73	55.16	30.09	39.51	56.97	57.58	64.98	29.72	-19.92	-53.09	26.47	15.2	-0.58	-9.18
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.61	9.64	10.67	11.07	10.67	10.3	10.49	10.65	11.53	10.86	10.41	10	10.71	11.07	11.85
Long-Term Debt/Equity (%)	82.84	76.07	50.21	26.86	26.26	22.48	19.84	17.18	14.76	20.07	17.09	17.29	17.59	16.51	9.46
Long-Term Debt/Capital (%)	38.25	37.28	24.37	16.43	14.89	11.4	10.18	8.47	8.52	16.43	14.59	10.82	12.73	14.05	8.64
Long-Term Debt/Total Assets (%)	7.96	7.33	5.36	2.97	2.8	2.32	2.08	1.83	1.7	2.18	1.78	1.73	1.88	1.83	1.12
Total Debt/Equity (%)	116.59	104.05	106.06	63.52	76.43	97.12	94.89	102.82	73.25	22.17	17.09	59.81	38.14	17.56	9.46
Total Debt/Capital (%)	53.83	50.99	51.47	38.85	43.32	49.27	48.69	50.7	42.28	18.15	14.59	37.43	27.61	14.94	8.64
Total Debt/Total Assets (%)	11.21	10.03	11.32	7.03	8.16	10	9.95	10.95	8.45	2.41	1.78	5.98	4.09	1.94	1.12
Net Debt to Equity	92.54	75.94	86.6	46.55	60.52	80.78	78.22	85.04	53.9	-34.47	-84.4	43	23.75	-1.05	-16.23
Net Debt/Capital (%)	48.06	43.16	46.41	31.77	37.7	44.69	43.89	45.96	35.02	-52.59	-541.05	30.07	19.19	-1.06	-19.38
EBITDA	9	10	13	13	14	13	13	13	20	21	20	19	22	27	34
EBITDA-CapEx	-1	10	13	13	14	13	13	6	14	12	12	12	13	16	17
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.61	9.64	10.67	11.07	10.67	10.3	10.49	10.65	11.53	10.86	10.41	10	10.71	11.07	11.85
Long-Term Debt/Equity (%)	82.84	76.07	50.21	26.86	26.26	22.48	19.84	17.18	14.76	20.07	17.09	17.29	17.59	16.51	9.46
Long-Term Debt/Capital (%)	38.25	37.28	24.37	16.43	14.89	11.4	10.18	8.47	8.52	16.43	14.59	10.82	12.73	14.05	8.64
Long-Term Debt/Total Assets (%)	7.96	7.33	5.36	2.97	2.8	2.32	2.08	1.83	1.7	2.18	1.78	1.73	1.88	1.83	1.12
Total Debt/Equity (%)	116.59	104.05	106.06	63.52	76.43	97.12	94.89	102.82	73.25	22.17	17.09	59.81	38.14	17.56	9.46
Total Debt/Capital (%)	53.83	50.99	51.47	38.85	43.32	49.27	48.69	50.7	42.28	18.15	14.59	37.43	27.61	14.94	8.64
Total Debt/Total Assets (%)	11.21	10.03	11.32	7.03	8.16	10	9.95	10.95	8.45	2.41	1.78	5.98	4.09	1.94	1.12
CFO/Total Liabilities	1.66	1.63	1.75	1.26	1.69	1.39	1.67	1.73	1.79	1.49	1.48	1.73	1.33	1.54	1.67
CFO/CapEx	8.42	- -	- -	- -	- -	- -	- -	19.96	23.09	17.81	20.57	26.14	17.02	16.06	14.43
Altman's Z-Score	0.22	0.21	0.22	0.23	0.23	0.26	0.25	0.25	0.28	0.23	0.24	0.27	0.25	0.27	0.25

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	734	685	1,127	1,153	1,211	1,812	1,602	1,511	1,776	1,400	1,663	1,861	1,974	2,254	2,167
- Cash & Cash Equivalents	129	164	159	147	140	149	160	181	217	673	1,269	197	205	284	487
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	627	606	866	549	674	887	909	1,047	821	263	214	702	544	268	179
Enterprise Value	-13	-21	469	542	570	1,211	1,096	1,378	1,405	-358	-1,080	838	882	663	1,686
Total Capital	1,165	1,188	1,683	1,413	1,556	1,800	1,867	2,065	1,941	1,451	1,464	1,875	1,969	1,794	2,076
Total Debt/Capital (%)	53.83	50.99	51.47	38.85	43.32	49.27	48.69	50.7	42.28	18.15	14.59	37.43	27.61	14.94	8.64
Total Debt / EV	-48.69	-28.6	1.85	1.01	1.18	0.73	0.83	0.76	0.58	-0.74	-0.2	0.84	0.62	0.4	0.11
EV/Sales	- -	- -	1.39	1.53	1.57	3.22	2.75	3.23	3.11	- -	- -	1.63	1.7	1.15	2.43
EV/EBITDA	- -	- -	36.6	40.56	42.2	93.52	84.2	103.42	69.16	- -	- -	43.98	39.6	24.13	50.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	3.93	6.18	4.58	10.95	8.01	9.32	9.15	- -	- -	4.58	5.6	3.52	7.17
EV/Free Cash Flow to Firm	- -	- -	3.93	6.18	4.58	10.95	8.01	8.88	8.77	- -	- -	4.41	5.29	3.31	6.7
Diluted Market Cap	751	683	1,097	1,166	1,238	1,827	1,616	1,523	1,790	1,412	1,684	1,875	1,876	2,265	2,112
Diluted Enterprise Value	1,249	1,126	1,804	1,569	1,771	2,565	2,365	2,388	2,393	1,003	629	2,380	2,215	2,249	1,805
EV per Share	- -	- -	10.78	12.35	13.13	28	25.17	31.55	32.08	- -	- -	19.56	18.72	14.06	32.31
TTM Sales	278	289	339	355	364	377	399	426	451	459	476	515	518	574	694
TTM EBITDA	9	10	13	13	14	13	13	13	20	21	20	19	22	27	34
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	84	89	119	88	124	111	137	148	153	145	159	183	157	189	235
TTM Free Cash Flow to Firm	94	89	119	88	124	111	137	155	160	153	167	190	167	200	252

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	8.01	7.69	9.19	13.28	9.94	16.52	11.8	9.81	11.18	9.2	10.09	9.86	11.25	11.31	8.4
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-13	-21	469	542	570	1,211	1,096	1,378	1,405	-358	-1,080	838	882	663	1,686
Low Price	17.05	18.92	19.45	21.67	22.97	23.81	31.28	30.36	34.09	26.1	31.02	34.58	27.53	32.79	37.31
EV/Sales	- -	- -	1.39	1.53	1.57	3.22	2.75	3.23	3.11	- -	- -	1.63	1.7	1.15	2.43
EV/EBITDA	- -	- -	36.6	40.56	42.2	93.52	84.2	103.42	69.16	- -	- -	43.98	39.6	24.13	50.29
Price/Earnings	12.87	12.44	17.62	15.36	16.02	23.14	19.47	13.41	14.7	13.43	10.79	12.27	15.7	16.03	12.43
Price/Earnings Average	12.54	13.04	15.07	14.02	15.02	16.9	19.85	14.63	13.58	13.31	10.35	11.21	13.39	13.87	12.89
Price/Earnings High	14.52	14.79	18.09	15.72	17.55	23.48	22.52	16.23	15.04	17.27	11.99	13.75	16.86	17.6	14.72
Price/Earnings Low	9.91	11.61	13.23	12.67	13.2	13.15	16.55	11.77	12.35	10.92	8.69	9.77	10.31	11	11.17
Price/Book Value	1.36	1.18	1.38	1.33	1.37	1.98	1.67	1.48	1.59	1.18	1.33	1.59	1.38	1.48	1.14
Price/Book Value Average	1.33	1.23	1.18	1.22	1.29	1.45	1.7	1.62	1.47	1.17	1.28	1.45	1.18	1.28	1.18
Price/Book Value High	1.54	1.4	1.42	1.37	1.5	2.01	1.93	1.8	1.62	1.52	1.48	1.78	1.49	1.62	1.35
Price/Book Value Low	1.05	1.1	1.04	1.1	1.13	1.13	1.42	1.3	1.33	0.96	1.07	1.26	0.91	1.01	1.03
Price/Tangible Book Value	1.89	1.66	2.14	1.99	2.02	2.87	2.37	2.08	2.13	1.56	1.73	2.1	1.93	2	1.56
Price/Tangible Book Value Average	1.84	1.74	1.83	1.81	1.9	2.09	2.41	2.27	1.97	1.55	1.66	1.92	1.65	1.73	1.62
Price/Tangible Book Value High	2.14	1.97	2.2	2.03	2.21	2.91	2.74	2.51	2.18	2.01	1.92	2.36	2.07	2.2	1.85
Price/Tangible Book Value Low	1.46	1.55	1.61	1.64	1.67	1.63	2.01	1.82	1.79	1.27	1.39	1.67	1.27	1.37	1.41
Price/Sales	2.68	2.35	3.21	3.25	3.36	4.82	4.01	3.54	3.94	3.06	3.51	3.62	3.6	3.92	3.03
Price/Sales Average	2.61	2.46	2.75	2.96	3.15	3.52	4.08	3.86	3.64	3.03	3.37	3.31	3.07	3.4	3.14
Price/Sales High	3.03	2.79	3.3	3.32	3.68	4.89	4.63	4.29	4.03	3.93	3.9	4.06	3.87	4.31	3.59
Price/Sales Low	2.06	2.19	2.41	2.68	2.77	2.74	3.41	3.11	3.31	2.49	2.83	2.88	2.37	2.69	2.72
Price/Cash Flow	8.89	7.64	9.12	13.13	9.84	16.41	11.68	10.21	11.59	9.65	10.5	10.18	11.84	11.95	8.94
Price/Cash Flow Average	8.67	8	7.8	11.98	9.22	11.99	11.91	11.14	10.71	9.56	10.07	9.3	10.1	10.35	9.27
Price/Cash Flow High	10.04	9.08	9.36	13.44	10.77	16.65	13.51	12.37	11.86	12.41	11.66	11.41	12.72	13.12	10.59
Price/Cash Flow Low	6.85	7.13	6.85	10.83	8.1	9.33	9.93	8.96	9.74	7.85	8.45	8.1	7.78	8.21	8.04
Price/Free Cash Flow Average	7.81	8.06	7.87	12.12	9.32	12.07	12.03	10.71	10.33	9.12	9.68	9.01	9.6	9.79	8.71
Price/Free Cash Flow High	9.04	9.15	9.44	13.59	10.89	16.76	13.65	11.88	11.44	11.83	11.21	11.05	12.09	12.42	9.95
Price/Free Cash Flow Low	6.17	7.18	6.9	10.96	8.19	9.39	10.03	8.61	9.39	7.48	8.12	7.85	7.39	7.76	7.55
EV/Sales Average	4.36	4.01	4.93	4.09	4.58	5.47	5.97	5.9	4.97	2.13	1.13	4.28	3.91	3.37	2.79
EV/Sales High	4.77	4.35	5.5	4.45	5.11	6.84	6.52	6.32	5.36	3.03	1.66	5.03	4.75	4.28	3.25
EV/Sales Low	3.83	3.74	4.59	3.81	4.2	4.69	5.29	5.14	4.65	1.59	0.6	3.86	3.16	2.67	2.36
EV/EBITDA Average	142.55	119.95	130.36	108.77	123.52	159.15	183.07	188.71	110.53	47.61	27.17	115.72	90.83	70.38	57.82
EV/EBITDA High	155.86	129.9	145.41	118.33	137.66	198.89	199.96	202.27	119.19	67.7	39.83	135.93	110.43	89.43	67.39
EV/EBITDA Low	124.96	111.81	121.18	101.23	113.36	136.5	162.23	164.51	103.22	35.49	14.27	104.22	73.43	55.7	48.91
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	22.13	20.27	25.9	26.27	27.88	41.88	36.8	34.59	40.56	32.1	38.52	43.42	41.91	47.76	41.52
High Price	24.98	24.1	26.59	26.88	30.53	42.49	42.56	41.88	41.5	41.27	42.79	48.68	45.02	52.44	49.18
Enterprise Value Average	1,213	1,160	1,671	1,454	1,669	2,061	2,383	2,514	2,245	978	540	2,206	2,023	1,935	1,939
Enterprise Value High	1,326	1,256	1,864	1,582	1,860	2,576	2,603	2,695	2,421	1,391	792	2,591	2,459	2,459	2,260
Enterprise Value Low	1,063	1,081	1,553	1,354	1,531	1,768	2,112	2,192	2,097	729	284	1,987	1,635	1,531	1,640

Shares Outstanding	33	34	44	44	43	43	44	44	44	44	43	43	47	47	52
Diluted Weighted Avg Shares	34	34	42	44	44	44	44	44	44	44	44	43	45	47	51
Basic Weighted Avg Shares	34	33	42	44	44	43	43	44	44	44	43	43	44	47	51
Revenue per Share	8.26	8.63	8.06	8.09	8.29	8.7	9.18	9.77	10.3	10.5	10.97	12	11.64	12.17	13.7
EBITDA per Share	0.25	0.29	0.31	0.3	0.31	0.3	0.3	0.31	0.46	0.47	0.46	0.44	0.5	0.58	0.66
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.72	1.63	1.47	1.71	1.74	1.81	1.89	2.58	2.76	2.39	3.57	3.54	2.67	2.98	3.34
Basic EPS from Cont Ops	1.72	1.63	1.47	1.71	1.74	1.81	1.89	2.58	2.76	2.39	3.57	3.54	2.67	2.98	3.34
Diluted EPS, GAAP	1.71	1.62	1.46	1.69	1.72	1.8	1.87	2.56	2.74	2.37	3.54	3.52	2.65	2.97	3.33
Diluted EPS from Cont Ops	1.71	1.62	1.46	1.69	1.72	1.8	1.87	2.56	2.74	2.37	3.54	3.52	2.65	2.97	3.33
Dividend per Share	0.8	0.8	0.8	0.84	0.87	0.9	0.92	0.99	1.05	1.08	1.1	1.16	1.26	1.32	1.43
Cash Flow per Share	2.49	2.65	2.84	2	2.83	2.55	3.15	3.39	3.5	3.33	3.67	4.27	3.54	4	4.64
Free Cash Flow per Basic Share	2.19	2.65	2.84	2	2.83	2.55	3.15	3.22	3.35	3.14	3.49	4.1	3.33	3.75	4.32
Cash & Equivalents per Share	41.44	38.84	35.02	26.42	30.27	34.39	32.51	27.01	27.22	46.33	68.49	40.24	34.73	39.38	12.65
Book Value per Share	16.23	17.24	18.77	19.69	20.31	21.11	22.01	23.31	25.58	27.22	28.97	27.38	30.26	32.34	36.32
Tangible Book Value per Share	11.7	12.23	12.09	13.22	13.79	14.61	15.54	16.66	19.03	20.52	22.26	20.65	21.72	23.88	26.54

NBT Bancorp Inc.