NBT Bancorp Inc.
NASDAQ Global SelectTotal Valuation
NBT Bancorp Inc. carries a market capitalization of 2.42B, placing it among publicly traded companies globally. Its enterprise value stands at 1.49B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 2.42B |
| Enterprise Value | 1.49B |
Share Statistics
NBT Bancorp Inc. currently has 52.01M shares outstanding.
| Shares Outstanding | 52.01M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
NBT Bancorp Inc. trades at a trailing price-to-earnings ratio of 12.03. The price-to-sales ratio is 3.05, and the price-to-book ratio stands at 1.80.
| PE Ratio | 12.03 |
| PS Ratio | 3.05 |
| PB Ratio | 1.80 |
| P/TBV Ratio | 1.57 |
| P/FCF Ratio | 8.42 |
| P/OCF Ratio | 8.97 |
Enterprise Valuation
On an enterprise value basis, NBT Bancorp Inc. trades at an EV/EBITDA multiple of 41.78 and an EV/FCF ratio of 5.65.
| EV / Sales | 2.05 |
| EV / EBITDA | 41.78 |
| EV / EBIT | N/A |
| EV / FCF | 5.65 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 9.38 |
| Debt / EBITDA | 5.05 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 15.62 |
| Return on Assets (ROA) | 1.22 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, NBT Bancorp Inc. has paid 55.27M in income taxes, reflecting an effective tax rate of 23.13.
| Income Tax | 55.27M |
| Effective Tax Rate | 23.13 |
Stock Price Statistics
NBT Bancorp Inc.'s stock has gained approximately 11.78168% over the past 52 weeks. The 50-day moving average sits at 44.54, while the 200-day moving average is 43.12.
| Beta (5Y) | N/A |
| 52-Week Price Change | 11.78168% |
| 50-Day Moving Average | 44.54 |
| 200-Day Moving Average | 43.12 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, NBT Bancorp Inc. generated 724.25M in revenue and converted that into 183.63M in net income, yielding earnings per share of 3.53.
| Revenue | 724.25M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 238.90M |
| Net Income | 183.63M |
| EBITDA | 35.58M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 3.53 |
Balance Sheet
NBT Bancorp Inc. holds 901.79M in cash and equivalents against 179.60M in total debt, resulting in a net debt position of -536.47M.
| Cash & Cash Equivalents | 901.79M |
| Total Debt | 179.60M |
| Net Debt | -536.47M |
| Equity (Book Value) | 1.23B |
| Book Value Per Share | 23.70 |
| Working Capital | N/A |
Cash Flow
NBT Bancorp Inc. produced 246.25M in operating cash flow over the past twelve months. After subtracting -17.02M in capital expenditures, free cash flow totaled 229.23M - equivalent to 4.42 per share.
| Operating Cash Flow | 246.25M |
| Capital Expenditures | -17.02M |
| Free Cash Flow | 229.23M |
| FCF Per Share | 4.42 |
Margins
NBT Bancorp Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 32.99 |
| Profit Margin | 25.35 |
| EBITDA Margin | 4.91 |
Dividends & Yields
The company's payout ratio of 41.26 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.46 |
| Dividend Yield | N/A |
| Payout Ratio | 41.26 |
| Shareholder Yield | 2.75 |
| FCF Yield | 11.87 |
Stock Splits
NBT Bancorp Inc.'s most recent stock split took place on November 29, 1999 with a 20:21 split ratio.
| Last Split Date | 11/29/1999 |
| Split Ratio | 20:21 |
Scores
NBT Bancorp Inc. posts an Altman Z-Score of 0.25, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.25 |