NBTB:NGS-NBT Bancorp Inc. (USD)

EQUITY | Banks - Regional | Nasdaq Global Select

Last Closing

USD 50.53

Change

-0.07 (-0.14)%

Market Cap

USD 1.69B

Volume

0.24M

Analyst Target

USD 35.33
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

NBT Bancorp Inc is a financial holding company. The Company through its subsidiaries. provides commercial banking and financial services in its market area.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-11-12 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
FITB Fifth Third Bancorp

+0.03 (+0.06%)

USD 29.54B
FCNCA First Citizens BancShares Inc

-12.38 (-0.57%)

USD 27.22B
HBAN Huntington Bancshares Incorpor..

-0.10 (-0.57%)

USD 22.88B
FITBI Fifth Third Bancorp

+0.13 (+0.51%)

USD 17.96B
EWBC East West Bancorp Inc

-2.88 (-2.70%)

USD 13.51B
CBSH Commerce Bancshares Inc

-0.29 (-0.40%)

USD 8.16B
PNFP Pinnacle Financial Partners In..

-1.38 (-1.09%)

USD 8.08B
ZION Zions Bancorporation

+0.52 (+0.87%)

USD 7.81B
WTFC Wintrust Financial Corporation

-1.04 (-0.78%)

USD 7.60B
SSB SouthState Corporation

-1.52 (-1.40%)

USD 7.44B

ETFs Containing NBTB

SMLV SPDR® SSGA US Small Cap .. 1.36 % 0.12 %

-0.94 (-0.68%)

USD 0.22B

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 20.57% 60% D- 74% C
Dividend Return 2.34% 27% F 45% F
Total Return 22.91% 58% F 74% C
Trailing 12 Months  
Capital Gain 36.16% 57% F 75% C
Dividend Return 3.50% 35% F 49% F
Total Return 39.67% 58% F 76% C+
Trailing 5 Years  
Capital Gain 25.20% 64% D 62% D
Dividend Return 15.11% 49% F 59% D-
Total Return 40.31% 65% D 64% D
Average Annual (5 Year Horizon)  
Capital Gain 6.16% 53% F 56% F
Dividend Return 9.24% 53% F 58% F
Total Return 3.08% 50% F 68% D+
Risk Return Profile  
Volatility (Standard Deviation) 17.92% 79% B- 79% B-
Risk Adjusted Return 51.56% 81% B- 79% B-
Market Capitalization 1.69B 80% B- 80% B-

Key Financial Ratios

  Ratio vs. Industry/Classification (Banks - Regional) Ratio vs. Market (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 21.80 35% 56%
Price/Book Ratio 1.38 19% 61%
Price / Cash Flow Ratio 13.18 23% 23%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 9.37% 60% 76%
Return on Invested Capital -2.66% 10% 48%
Return on Assets 0.98% 67% 67%
Debt to Equity Ratio 17.59% 78% 64%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector