Nbt Bancorp Stock Fundamentals
| NBTB Stock | USD 50.45 1.12 2.27% |
NBT Bancorp fundamentals help investors to digest information that contributes to NBT Bancorp's financial success or failures. It also enables traders to predict the movement of NBT Stock. The fundamental analysis module provides a way to measure NBT Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to NBT Bancorp stock.
At present, NBT Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 151.8 M, whereas Selling General Administrative is forecasted to decline to about 100.3 M. NBT | Select Account or Indicator |
NBT Bancorp Company Return On Equity Analysis
NBT Bancorp's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Current NBT Bancorp Return On Equity | 0.0937 |
Most of NBT Bancorp's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, NBT Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
NBT Return On Equity Historical Pattern
Today, most investors in NBT Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various NBT Bancorp's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's return on equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of NBT Bancorp return on equity as a starting point in their analysis.
NBT Bancorp Return On Equity |
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For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
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NBT Total Stockholder Equity
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Based on the latest financial disclosure, NBT Bancorp has a Return On Equity of 0.0937. This is 93.54% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 130.23% lower than that of the firm.
NBT Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining NBT Bancorp's current stock value. Our valuation model uses many indicators to compare NBT Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across NBT Bancorp competition to find correlations between indicators driving NBT Bancorp's intrinsic value. More Info.NBT Bancorp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for NBT Bancorp is roughly 9.56 . At present, NBT Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the NBT Bancorp's earnings, one of the primary drivers of an investment's value.NBT Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses NBT Bancorp's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of NBT Bancorp could also be used in its relative valuation, which is a method of valuing NBT Bancorp by comparing valuation metrics of similar companies.NBT Bancorp is currently under evaluation in return on equity category among its peers.
NBT Bancorp Current Valuation Drivers
We derive many important indicators used in calculating different scores of NBT Bancorp from analyzing NBT Bancorp's financial statements. These drivers represent accounts that assess NBT Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of NBT Bancorp's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 1.6B | 1.5B | 1.7B | 1.9B | 1.7B | 1.8B | |
| Enterprise Value | 2.3B | 2.4B | 715.0M | 2.2B | 2.0B | 2.1B |
NBT Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, NBT Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to NBT Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
NBT Fundamentals
| Return On Equity | 0.0937 | |||
| Return On Asset | 0.0098 | |||
| Profit Margin | 0.25 % | |||
| Operating Margin | 0.37 % | |||
| Current Valuation | 2.3 B | |||
| Shares Outstanding | 47.17 M | |||
| Shares Owned By Insiders | 3.15 % | |||
| Shares Owned By Institutions | 63.98 % | |||
| Number Of Shares Shorted | 1.05 M | |||
| Price To Earning | 15.56 X | |||
| Price To Book | 1.51 X | |||
| Price To Sales | 4.32 X | |||
| Revenue | 490.37 M | |||
| Gross Profit | 500.62 M | |||
| EBITDA | 175.73 M | |||
| Net Income | 118.78 M | |||
| Cash And Equivalents | 321.06 M | |||
| Cash Per Share | 7.50 X | |||
| Total Debt | 543.74 M | |||
| Debt To Equity | 0.26 % | |||
| Book Value Per Share | 32.26 X | |||
| Cash Flow From Operations | 157.46 M | |||
| Short Ratio | 5.91 X | |||
| Earnings Per Share | 2.85 X | |||
| Price To Earnings To Growth | 3.82 X | |||
| Target Price | 51.33 | |||
| Number Of Employees | 2.03 K | |||
| Beta | 0.48 | |||
| Market Capitalization | 2.33 B | |||
| Total Asset | 13.31 B | |||
| Retained Earnings | 1.02 B | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 2.90 % | |||
| Net Asset | 13.31 B | |||
| Last Dividend Paid | 1.3 |
About NBT Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze NBT Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of NBT Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of NBT Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 490.4 M | 267.4 M | |
| Cost Of Revenue | 63 K | 59.9 K | |
| Stock Based Compensation To Revenue | 0.01 | 0.01 | |
| Sales General And Administrative To Revenue | 0.41 | 0.28 | |
| Capex To Revenue | 0.02 | 0.03 | |
| Revenue Per Share | 10.94 | 5.62 | |
| Ebit Per Revenue | 0.33 | 0.25 |
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.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:Check out NBT Bancorp Piotroski F Score and NBT Bancorp Altman Z Score analysis. For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Is Regional Banks space 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 0.481 | Dividend Share 1.3 | Earnings Share 2.85 | Revenue Per Share 11.427 | Quarterly Revenue Growth 0.18 |
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.