NBT Bancorp Inc.
General ticker "NBTB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $2.1B (TTM average)
NBT Bancorp Inc. follows the US Stock Market performance with the rate: 39.5%.
Estimated limits based on current volatility of 1.5%: low 41.75$, high 43.02$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-12-01, amount 0.37$ (Y3.49%)
- Total employees count: 2083 (+2.4%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Vendor dependency, New product risks, Regulatory and compliance
- Price in estimated range
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [42.16$, 55.53$]
- 2025-12-31 to 2026-12-31 estimated range: [41.81$, 55.86$]
Financial Metrics affecting the NBTB estimates:
- Negative: with PPE of 16.6 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 22.83 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 8.19
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 1.01
- Negative: Shareholder equity ratio, % of 11.07 <= 19.40
Short-term NBTB quotes
Long-term NBTB plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $537.00MM | $662.35MM | $785.99MM |
| Operating Expenses | $340.85MM | $508.89MM | $606.53MM |
| Operating Income | $196.16MM | $153.46MM | $179.46MM |
| Interest Expense | $21.88MM | $144.57MM | $211.55MM |
| Income(Loss) | $196.16MM | $153.46MM | $179.46MM |
| Taxes | $44.16MM | $34.68MM | $38.82MM |
| Profit(Loss)* | $152.00MM | $118.78MM | $140.64MM |
| Stockholders Equity | $1,173.55MM | $1,425.69MM | $1,526.14MM |
| Assets | $11,739.30MM | $13,309.04MM | $13,786.67MM |
| Operating Cash Flow | $183.22MM | $157.46MM | $188.57MM |
| Capital expenditure | $7.01MM | $9.25MM | $11.74MM |
| Investing Cash Flow | $-926.22MM | $-44.23MM | $-399.16MM |
| Financing Cash Flow | $-328.73MM | $-105.39MM | $289.46MM |
| Earnings Per Share** | $3.54 | $2.67 | $2.98 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.