Stock NBTB NBT BANCORP INC.
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Financials NBT Bancorp Inc.

Equities

NBTB

US6287781024

Banks

Market Closed - Nasdaq
Other stock markets
 01:30:00 30/04/2024 am IST 		5-day change 1st Jan Change
35.27 USD -1.95% Intraday chart for NBT Bancorp Inc. +1.38% -15.84%
24/04 Keefe, Bruyette & Woods Adjusts Price Target on NBT Bancorp to $39 From $41, Keeps Market Perform Rating MT
23/04 Transcript : NBT Bancorp Inc., Q1 2024 Earnings Call, Apr 23, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,776 1,400 1,670 1,860 1,973 1,663 -
Enterprise Value (EV) 1 1,776 1,400 1,670 1,860 1,973 1,663 1,663
P/E ratio 14.8 x 13.5 x 10.9 x 12.3 x 15.8 x 12.3 x 11 x
Yield 2.59% 3.36% 2.86% 2.67% 2.96% 3.68% 3.79%
Capitalization / Revenue 3.9 x 3.03 x 3.49 x 3.59 x 3.79 x 2.95 x 2.77 x
EV / Revenue 3.9 x 3.03 x 3.49 x 3.59 x 3.79 x 2.95 x 2.77 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.59 x 1.18 x 1.33 x 1.59 x 1.38 x 1.1 x 1.04 x
Nbr of stocks (in thousands) 43,792 43,625 43,350 42,840 47,088 47,152 -
Reference price 2 40.56 32.10 38.52 43.42 41.91 35.27 35.27
Announcement Date 27/01/20 27/01/21 26/01/22 23/01/23 23/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 455.6 462 478.9 517.8 520.4 563.3 601
EBITDA - - - - - - -
EBIT 1 180.8 - 191.6 215.2 188.7 198.6 223.6
Operating Margin 39.7% - 40.01% 41.57% 36.26% 35.26% 37.21%
Earnings before Tax (EBT) 1 155.4 133.1 199.9 196.2 153.5 175.9 195.7
Net income 1 121 104.4 154.9 152 118.8 136.3 151.4
Net margin 26.56% 22.6% 32.34% 29.36% 22.83% 24.2% 25.19%
EPS 2 2.740 2.370 3.540 3.520 2.650 2.877 3.193
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.050 1.080 1.100 1.160 1.240 1.297 1.335
Announcement Date 27/01/20 27/01/21 26/01/22 23/01/23 23/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 118 126.3 123 129.2 131.6 133.9 126.5 121.1 135.1 137.7 140.6 139.2 142.1 142.8 146.2
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - 51.19 - - - 55.54 54.35 42.34 44.33 45.16 48.79 49.79 51.83 51.66 51.6
Operating Margin - 40.53% - - - 41.49% 42.97% 34.95% 32.81% 32.81% 34.71% 35.78% 36.48% 36.18% 35.3%
Earnings before Tax (EBT) 1 48.48 48.09 50.27 48.73 50.47 46.68 43.24 38.73 31.7 39.78 43.21 42.77 44.89 44.89 45.1
Net income 1 37.43 37.31 39.13 37.78 38.97 36.12 33.66 30.07 24.61 30.45 33.82 33.06 34.72 34.71 34.88
Net margin 31.72% 29.54% 31.81% 29.23% 29.6% 26.98% 26.61% 24.83% 18.21% 22.12% 24.06% 23.76% 24.44% 24.31% 23.86%
EPS 2 0.8600 0.8600 0.9000 0.8800 0.9000 0.8400 0.7800 0.7000 0.5400 0.6400 0.7100 0.7000 0.7317 0.7300 0.7350
Dividend per Share 2 0.2800 0.2800 0.2800 0.2800 0.3000 0.3000 - 0.3000 - 0.3200 0.3200 0.3200 0.3283 0.3283 0.3283
Announcement Date 26/10/21 26/01/22 25/04/22 25/07/22 25/10/22 23/01/23 24/04/23 31/07/23 24/10/23 23/01/24 22/04/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 11.3% 9.09% 12.7% 12.7% 9.34% 9.37% 9.85%
ROA (Net income/ Total Assets) 1.26% 0.99% 1.33% 1.29% 0.95% 1.01% 1.09%
Assets 1 9,605 10,544 11,645 11,783 12,503 13,519 13,869
Book Value Per Share 2 25.60 27.20 29.00 27.40 30.30 31.90 33.90
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 27/01/20 27/01/21 26/01/22 23/01/23 23/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for NBT Bancorp Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
35.27 USD
Average target price
41 USD
Spread / Average Target
+16.25%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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