Stock Scorecard



Stock Summary for NBT Bancorp. Inc (NBTB) - $36.74 as of 3/28/2024 11:40:59 AM EST

Total Score

11 out of 29

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for NBTB

Positive earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for NBTB

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for NBTB

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2

Bonus Criteria for NBTB

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Financial Details for NBTB

Company Overview

Ticker NBTB
Company Name NBT Bancorp. Inc
Country USA
Description NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Sector Name FINANCE
Industry Name NATIONAL COMMERCIAL BANKS
Most Recent Quarter 12/31/2023
Next Earnings Date 4/22/2024

Stock Price History

Last Day Price 36.74
Last Day Price Updated 3/28/2024 11:40:59 AM EST
Last Day Volume 531,102
Average Daily Volume 217,079
52-Week High 43.36
52-Week Low 26.54
Last Price to 52 Week Low 38.43%

Valuation Measures

Trailing PE 13.53
Industry PE 13.37
Sector PE 19.12
5-Year Average PE 11.93
Free Cash Flow Ratio 7.13
Industry Free Cash Flow Ratio 8.26
Sector Free Cash Flow Ratio 9.61
Current Ratio Most Recent Quarter 0.65
Total Cash Per Share 5.15
Book Value Per Share Most Recent Quarter 30.26
Price to Book Ratio 1.19
Industry Price to Book Ratio 0.90
Sector Price to Book Ratio 1.76
Price to Sales Ratio Twelve Trailing Months 3.45
Industry Price to Sales Ratio Twelve Trailing Months 2.42
Sector Price to Sales Ratio Twelve Trailing Months 2.81

Share Statistics

Total Shares Outstanding 47,152,100
Market Capitalization 1,732,368,154
Institutional Ownership N/A

Dividends

Ex-Dividend Date 2/29/2024
Last Dividend Amount 0.32
Current Dividend Amount 0.32
Dividend Aristocrat? False
Trailing Annual Dividend Rate 1.26
Trailing Annual Dividend Yield 3.43%
Forward Annual Dividend Rate 1.31
Forward Annual Dividend Yield 3.58%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 2.83%
5-Year Average Dividend Yield 2.89%
1-Year Dividend Growth Rate Percentage 6.90%
3-Year Dividend Growth Rate Percentage 6.17%
5-Year Dividend Growth Rate Percentage 4.25%
All-Time Dividend Growth Rate Percentage 6.06%
Dividend Payout Ratio 47.55%

Income Statement

Quarterly Earnings Growth YOY -23.60%
Annual Earnings Growth -21.85%
Reported EPS 12 Trailing Months 2.65
Reported EPS Past Year 3.24
Reported EPS Prior Year 3.50
Net Income Twelve Trailing Months 118,782,000
Net Income Past Year 118,782,000
Net Income Prior Year 151,995,000
Quarterly Revenue Growth YOY 1.30%
5-Year Revenue Growth 3.94%

Balance Sheet

Total Cash Most Recent Quarter 242,780,000
Total Cash Past Year 242,780,000
Total Cash Prior Year 228,134,000
Net Cash Position Most Recent Quarter 21,840,000
Net Cash Position Past Year 21,840,000
Long Term Debt Past Year 220,940,000
Long Term Debt Prior Year 198,123,000
Total Debt Most Recent Quarter 220,940,000
Equity to Debt Ratio Past Year 0.87
Equity to Debt Ratio Most Recent Quarter 0.87
Total Stockholder Equity Past Year 1,425,691,000
Total Stockholder Equity Prior Year 1,173,554,000
Total Stockholder Equity Most Recent Quarter 1,425,691,000

Options

Put/Call Ratio 0.00
Has Options Options Chain
Liquidity Rating None

Technical Analysis

Yahoo Finance Chart Yahoo Finance Chart
MACD 0.05
MACD Signal -0.24
20-Day Bollinger Lower Band 31.53
20-Day Bollinger Middle Band 36.91
20-Day Bollinger Upper Band 42.30
Beta 0.50
RSI 58.54
50-Day SMA 34.46
200-Day SMA 34.11

System

Modified 3/27/2024 2:13:07 AM EST