NBT Bancorp Valuation
| NBTB Stock | USD 50.99 0.54 1.07% |
At this time, the entity appears to be overvalued. NBT Bancorp secures a last-minute Real Value of $41.44 per share. The latest price of the entity is $50.99. Our model forecasts the value of NBT Bancorp from inspecting the entity fundamentals such as profit margin of 0.25 %, and Current Valuation of 2.35 B as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting NBT Bancorp's valuation include:
Price Book 1.5638 | Enterprise Value 2.4 B | Price Sales 4.4174 | Forward PE 14.1643 | Trailing PE 17.7018 |
Overvalued
Today
Please note that NBT Bancorp's price fluctuation is very steady at this time. Calculation of the real value of NBT Bancorp is based on 3 months time horizon. Increasing NBT Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since NBT Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of NBT Stock. However, NBT Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 50.99 | Real 41.44 | Target 37.5 | Hype 51.04 | Naive 49.83 |
The real value of NBT Stock, also known as its intrinsic value, is the underlying worth of NBT Bancorp Company, which is reflected in its stock price. It is based on NBT Bancorp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of NBT Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of NBT Bancorp helps investors to forecast how NBT stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of NBT Bancorp more accurately as focusing exclusively on NBT Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use NBT Bancorp's intrinsic value based on its ongoing forecasts of NBT Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against NBT Bancorp's closest peers. If more than one evaluation category is relevant for NBT Bancorp we suggest using both methods to arrive at a better estimate.
NBT Bancorp Cash |
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NBT Valuation Trend
Comparing NBT Bancorp's enterprise value against its market capitalization is a good way to estimate the value of NBT Bancorp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
NBT Bancorp Total Value Analysis
NBT Bancorp is now anticipated to have valuation of 2.35 B with market capitalization of 2.38 B, debt of 543.74 M, and cash on hands of 321.06 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the NBT Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
2.35 B | 2.38 B | 543.74 M | 321.06 M |
NBT Bancorp Investor Information
About 64.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.56. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. NBT Bancorp last dividend was issued on the 2nd of December 2024. The entity had 105:100 split on the 29th of November 1999. Based on the analysis of NBT Bancorp's profitability, liquidity, and operating efficiency, NBT Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.25 | 0.4119 |
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| Total Cash From Operating Activities | 87 M | 157.5 M |
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| Operating Income | 212.1 M | 202 M |
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NBT Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of NBT suggests not a very effective usage of assets in November.NBT Bancorp Ownership Allocation
NBT Bancorp maintains a total of 47.17 Million outstanding shares. Over half of NBT Bancorp's outstanding shares are owned by institutional investors. These institutional investors are typically referred to as corporate investors that shop for positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company has, if the real value of the entity is less than the current market value, you may not be able to make money on it.NBT Bancorp Profitability Analysis
The company reported the previous year's revenue of 490.37 M. Net Income was 118.78 M with profit before overhead, payroll, taxes, and interest of 500.62 M.NBT Bancorp Past Distributions to stockholders
| 13th of September 2024 | ||
| 17th of June 2024 | ||
| 15th of March 2024 | ||
| 15th of December 2023 | ||
| 15th of September 2023 | ||
| 15th of June 2023 | ||
| 15th of March 2023 | ||
| 15th of December 2022 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates NBT Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in NBT Bancorp and how it compares across the competition.
About NBT Bancorp Valuation
The stock valuation mechanism determines NBT Bancorp's current worth on a weekly basis. Our valuation model uses a comparative analysis of NBT Bancorp. We calculate exposure to NBT Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of NBT Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 490.4 M | 267.4 M | |
| Pretax Profit Margin | 0.31 | 0.24 | |
| Operating Profit Margin | 0.41 | 0.25 | |
| Net Profit Margin | 0.24 | 0.17 |
A single share of NBT Bancorp represents a small ownership stake in the entity. As a stockholder of NBT, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
NBT Bancorp Dividends Analysis For Valuation
The current year's Dividends Paid is expected to grow to about 58.7 M. The current year's Dividend Yield is expected to grow to 0.03. At present, NBT Bancorp's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 21.49, whereas Retained Earnings Total Equity is forecasted to decline to about 575.4 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 55.9 M | 58.7 M | |
| Dividend Yield | 0.03 | 0.03 | |
| Dividend Payout Ratio | 0.47 | 0.72 | |
| Dividend Paid And Capex Coverage Ratio | 2.42 | 2.92 |
There are various types of dividends NBT Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of NBT shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from NBT Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When NBT pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of NBT Bancorp by the value of the dividends paid out.
NBT Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 44.8 M | |
| Quarterly Earnings Growth Y O Y | 0.481 | |
| Forward Price Earnings | 14.1643 |
NBT Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of NBT Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value NBT we look at many different elements of the entity such as NBT's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as NBT Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use NBT Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes NBT Bancorp's worth.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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