NBT Historical Financial Ratios

NBTB Stock

USD 47.75 0.62 1.32%

NBT Bancorp is lately reporting on over 104 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Book Value Per Share of 30.28 will help investors to properly organize and evaluate NBT Bancorp financial condition quickly.

Quick Ratio Current Ratio

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

About NBT Financial Ratios Analysis

NBT BancorpFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate NBT Bancorp investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on NBT financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across NBT Bancorp history.

NBT Bancorp Financial Ratios Chart

At present, NBT Bancorp's PTB Ratio is projected to increase slightly based on the last few years of reporting. The current year's Book Value Per Share is expected to grow to 30.28, whereas Price To Sales Ratio is forecasted to decline to 2.65.

Price To Sales Ratio Ptb Ratio Days Sales Outstanding Book Value Per Share Free Cash Flow Yield Inventory Turnover

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing NBT Bancorp stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on NBT Bancorp sales, a figure that is much harder to manipulate than other NBT Bancorp multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Book Value Per Share

The ratio of equity available to common shareholders divided by the number of outstanding shares. This measure represents the value per share of a company according to its financial statements.

Free Cash Flow Yield

A financial solvency ratio that compares the free cash flow per share a company is expected to earn against its market value per share, calculated as free cash flow per share divided by market price per share.

Inventory Turnover

A ratio showing how many times a company's inventory is sold and replaced over a period, indicating the efficiency of inventory management.

Most ratios from NBT Bancorp's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into NBT Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.At present, NBT Bancorp's PTB Ratio is projected to increase slightly based on the last few years of reporting. The current year's Book Value Per Share is expected to grow to 30.28, whereas Price To Sales Ratio is forecasted to decline to 2.65.

	2023	2024	2025 (projected)
PTB Ratio	1.31	1.5	1.8
Price To Sales Ratio	3.8	3.42	2.65

Ptb Ratio Price To Sales Ratio

NBT Bancorp fundamentals Correlations

	Price To Sales Ratio	Ptb Ratio	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow	Intangibles To Total Assets	Net Debt To E B I T D A
Price To Sales Ratio		0.72	0.52	-0.86	0.58	-0.37	0.72	0.62	0.6	-0.13	0.54	-0.85	0.34	0.91	0.46	-0.14	-0.77	0.74	-0.6	0.17	0.61	0.5	0.29	0.58	0.34	0.29
Ptb Ratio	0.72		0.46	-0.66	0.21	-0.23	1.0	0.34	0.23	0.31	0.21	-0.49	0.04	0.69	0.27	0.3	-0.4	0.79	-0.18	0.09	0.34	0.76	0.08	0.32	-0.1	0.29
Book Value Per Share	0.52	0.46		-0.6	0.64	-0.38	0.46	-0.1	0.65	0.46	0.7	-0.5	0.46	0.43	0.33	0.04	-0.43	0.57	-0.48	0.24	-0.14	0.26	0.31	-0.15	-0.28	0.03
Free Cash Flow Yield	-0.86	-0.66	-0.6		-0.51	0.01	-0.66	-0.54	-0.51	0.07	-0.52	0.65	-0.47	-0.9	-0.41	-0.06	0.46	-0.82	0.72	-0.16	-0.59	-0.45	-0.25	-0.58	-0.34	-0.12
Operating Cash Flow Per Share	0.58	0.21	0.64	-0.51		-0.21	0.21	0.33	1.0	-0.12	0.92	-0.71	0.64	0.32	0.58	-0.55	-0.73	0.13	-0.7	0.63	0.22	-0.2	0.69	0.2	0.04	-0.05
Capex To Depreciation	-0.37	-0.23	-0.38	0.01	-0.21		-0.23	0.15	-0.27	-0.27	-0.23	0.57	0.09	-0.23	-0.19	0.14	0.64	-0.23	-0.05	0.1	0.2	-0.28	-0.05	0.25	0.11	-0.21
Pb Ratio	0.72	1.0	0.46	-0.66	0.21	-0.23		0.34	0.23	0.31	0.21	-0.49	0.04	0.69	0.27	0.3	-0.4	0.79	-0.18	0.09	0.34	0.76	0.08	0.32	-0.1	0.29
Ev To Sales	0.62	0.34	-0.1	-0.54	0.33	0.15	0.34		0.34	-0.7	0.16	-0.55	0.1	0.55	0.21	-0.09	-0.49	0.2	-0.34	0.08	0.98	0.18	0.11	0.97	0.63	0.09
Free Cash Flow Per Share	0.6	0.23	0.65	-0.51	1.0	-0.27	0.23	0.34		-0.12	0.91	-0.75	0.62	0.33	0.6	-0.54	-0.77	0.14	-0.69	0.62	0.23	-0.17	0.68	0.2	0.04	-0.03
Roic	-0.13	0.31	0.46	0.07	-0.12	-0.27	0.31	-0.7	-0.12		-0.04	0.22	-0.21	-0.12	-0.21	0.38	0.21	0.34	0.23	-0.11	-0.71	0.38	-0.11	-0.71	-0.54	0.08
Net Income Per Share	0.54	0.21	0.7	-0.52	0.92	-0.23	0.21	0.16	0.91	-0.04		-0.63	0.69	0.37	0.7	-0.64	-0.6	0.23	-0.83	0.78	0.1	-0.29	0.83	0.08	-0.12	-0.04
Capex To Revenue	-0.85	-0.49	-0.5	0.65	-0.71	0.57	-0.49	-0.55	-0.75	0.22	-0.63		-0.44	-0.69	-0.56	0.3	0.96	-0.44	0.55	-0.25	-0.5	-0.26	-0.37	-0.46	-0.31	-0.04
Cash Per Share	0.34	0.04	0.46	-0.47	0.64	0.09	0.04	0.1	0.62	-0.21	0.69	-0.44		0.28	0.63	-0.35	-0.38	0.13	-0.66	0.51	0.09	-0.24	0.45	0.09	-0.03	-0.32
Pocfratio	0.91	0.69	0.43	-0.9	0.32	-0.23	0.69	0.55	0.33	-0.12	0.37	-0.69	0.28		0.36	0.02	-0.51	0.88	-0.61	0.03	0.63	0.56	0.14	0.61	0.37	0.23
Interest Coverage	0.46	0.27	0.33	-0.41	0.58	-0.19	0.27	0.21	0.6	-0.21	0.7	-0.56	0.63	0.36		-0.5	-0.52	0.18	-0.59	0.67	0.19	-0.18	0.64	0.17	-0.03	0.03
Payout Ratio	-0.14	0.3	0.04	-0.06	-0.55	0.14	0.3	-0.09	-0.54	0.38	-0.64	0.3	-0.35	0.02	-0.5		0.37	0.3	0.57	-0.75	-0.04	0.7	-0.81	-0.04	-0.02	0.0
Capex To Operating Cash Flow	-0.77	-0.4	-0.43	0.46	-0.73	0.64	-0.4	-0.49	-0.77	0.21	-0.6	0.96	-0.38	-0.51	-0.52	0.37		-0.26	0.41	-0.26	-0.39	-0.19	-0.37	-0.34	-0.24	-0.08
Pfcf Ratio	0.74	0.79	0.57	-0.82	0.13	-0.23	0.79	0.2	0.14	0.34	0.23	-0.44	0.13	0.88	0.18	0.3	-0.26		-0.42	-0.1	0.29	0.74	-0.01	0.28	0.12	0.24
Income Quality	-0.6	-0.18	-0.48	0.72	-0.7	-0.05	-0.18	-0.34	-0.69	0.23	-0.83	0.55	-0.66	-0.61	-0.59	0.57	0.41	-0.42		-0.63	-0.37	0.23	-0.72	-0.38	-0.2	0.09
Roe	0.17	0.09	0.24	-0.16	0.63	0.1	0.09	0.08	0.62	-0.11	0.78	-0.25	0.51	0.03	0.67	-0.75	-0.26	-0.1	-0.63		0.03	-0.56	0.95	0.03	-0.31	-0.1
Ev To Operating Cash Flow	0.61	0.34	-0.14	-0.59	0.22	0.2	0.34	0.98	0.23	-0.71	0.1	-0.5	0.09	0.63	0.19	-0.04	-0.39	0.29	-0.37	0.03		0.21	0.06	1.0	0.66	0.07
Pe Ratio	0.5	0.76	0.26	-0.45	-0.2	-0.28	0.76	0.18	-0.17	0.38	-0.29	-0.26	-0.24	0.56	-0.18	0.7	-0.19	0.74	0.23	-0.56	0.21		-0.53	0.19	0.14	0.3
Return On Tangible Assets	0.29	0.08	0.31	-0.25	0.69	-0.05	0.08	0.11	0.68	-0.11	0.83	-0.37	0.45	0.14	0.64	-0.81	-0.37	-0.01	-0.72	0.95	0.06	-0.53		0.06	-0.15	0.02
Ev To Free Cash Flow	0.58	0.32	-0.15	-0.58	0.2	0.25	0.32	0.97	0.2	-0.71	0.08	-0.46	0.09	0.61	0.17	-0.04	-0.34	0.28	-0.38	0.03	1.0	0.19	0.06		0.66	0.06
Intangibles To Total Assets	0.34	-0.1	-0.28	-0.34	0.04	0.11	-0.1	0.63	0.04	-0.54	-0.12	-0.31	-0.03	0.37	-0.03	-0.02	-0.24	0.12	-0.2	-0.31	0.66	0.14	-0.15	0.66		0.16
Net Debt To E B I T D A	0.29	0.29	0.03	-0.12	-0.05	-0.21	0.29	0.09	-0.03	0.08	-0.04	-0.04	-0.32	0.23	0.03	0.0	-0.08	0.24	0.09	-0.1	0.07	0.3	0.02	0.06	0.16

Click cells to compare fundamentals

NBT Bancorp Account Relationship Matchups

NBT Bancorp fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	3.06	3.51	3.62	3.8	3.42	2.65
Ptb Ratio	1.59	1.18	1.34	1.31	1.5	1.8
Book Value Per Share	27.18	28.8	27.34	32.05	28.84	30.28
Free Cash Flow Yield	0.0957	0.0896	0.0946	0.0795	0.0914	0.11
Operating Cash Flow Per Share	3.26	3.63	4.27	3.54	3.19	1.83
Stock Based Compensation To Revenue	0.009988	0.009274	0.008794	0.0104	(4.82E-4)	(4.58E-4)
Capex To Depreciation	0.33	0.4	0.39	0.37	0.42	0.41
Pb Ratio	1.59	1.18	1.34	1.31	1.5	1.8
Ev To Sales	2.48	1.5	4.76	4.49	(0.0204)	(0.0194)
Free Cash Flow Per Share	3.35	3.07	3.45	4.11	3.33	1.7
Roic	0.0238	0.0268	0.0378	0.0183	0.18	0.19
Net Income Per Share	2.39	3.57	3.54	2.67	2.4	1.25
Capex To Revenue	0.0178	0.0163	0.0136	0.0189	0.0217	0.0303
Cash Per Share	46.26	68.09	40.18	36.78	33.1	19.07
Pocfratio	9.85	10.61	10.17	11.84	10.66	8.71
Interest Coverage	4.08	10.64	9.97	1.4	2.52	1.81
Capex To Operating Cash Flow	0.0433	0.0573	0.0491	0.0383	0.0588	0.0676
Pfcf Ratio	10.45	11.16	10.57	12.58	14.47	13.82
Income Quality	1.36	1.02	1.21	1.33	1.34	2.21
Roe	0.0879	0.12	0.13	0.0833	0.0922	0.08
Ev To Operating Cash Flow	7.98	4.54	13.39	13.99	(0.0663)	(0.063)
Pe Ratio	13.44	10.8	12.26	15.7	18.05	21.49
Return On Tangible Assets	0.00981	0.0132	0.0133	0.009203	0.0105	0.00808
Ev To Free Cash Flow	8.47	4.77	13.93	14.86	(0.0663)	(0.063)
Intangibles To Total Assets	0.0267	0.0241	0.0246	0.0302	0.0289	0.0169
Net Debt To E B I T D A	(1.73)	(4.36)	2.74	1.93	2.22	2.88
Current Ratio	12.0	30.23	2.95	0.0215	10.92	9.52
Tangible Book Value Per Share	20.49	22.13	20.62	23.0	20.7	21.74
Graham Number	38.22	48.08	46.68	43.88	39.49	41.46
Shareholders Equity Per Share	27.18	28.8	27.34	32.05	28.84	30.28
Debt To Equity	0.34	0.25	0.67	0.38	0.13	0.12
Graham Net Net	(176.78)	(179.76)	(206.01)	(230.34)	(264.89)	(251.65)
Revenue Per Share	10.5	10.96	12.0	11.02	9.92	5.62
Interest Debt Per Share	10.06	7.61	18.87	15.47	13.92	13.71
Debt To Assets	0.0372	0.0259	0.0671	0.0409	0.014	0.0133
Enterprise Value Over E B I T D A	7.4	3.25	11.4	12.54	14.42	9.92
Dividend Yield	0.0259	0.0337	0.0285	0.0267	0.03	0.0345

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.

CRM	Salesforce
C	Citigroup
GM	General Motors

When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock:

How To Invest In NBT

Details

Is NBT Stock a good investment?

Details

What is NBT Bancorp's Net Worth?

Details

Largest Regional Banks Companies

View

Largest Banks - Regional Companies

View

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

You can also try the Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.184

Dividend Share

1.32

Earnings Share

2.97

Revenue Per Share

11.809

Quarterly Revenue Growth

0.145

The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2024 Macroaxis LLC

Price To Sales Ratio	Ptb Ratio
Days Sales Outstanding	Book Value Per Share
Free Cash Flow Yield	Invested Capital
Operating Cash Flow Per Share	Average Payables
Stock Based Compensation To Revenue	Capex To Depreciation
Pb Ratio	Ev To Sales
Free Cash Flow Per Share	Roic
Inventory Turnover	Net Income Per Share
Days Of Inventory On Hand	Payables Turnover
Sales General And Administrative To Revenue	Average Inventory
Research And Ddevelopement To Revenue	Capex To Revenue
Cash Per Share	Pocfratio
Interest Coverage	Payout Ratio
Capex To Operating Cash Flow	Pfcf Ratio
Days Payables Outstanding	Net Current Asset Value
Income Quality	Roe
Tangible Asset Value	Ev To Operating Cash Flow
Pe Ratio	Return On Tangible Assets
Ev To Free Cash Flow	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Dividend Yield	Earnings Yield
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

NBT Historical Financial Ratios

About NBT Financial Ratios Analysis

NBT Bancorp Financial Ratios Chart

Price To Sales Ratio

Ptb Ratio

Book Value Per Share

Free Cash Flow Yield

Inventory Turnover

NBT Bancorp fundamentals Correlations

NBT Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

NBT Bancorp fundamentals Accounts

Also Currently Popular

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Ev To Free Cash Flow	+ 1.0	Ev To Operating Cash Flow
Ev To Operating Cash Flow	+ 0.98	Ev To Sales
Ev To Free Cash Flow	+ 0.97	Ev To Sales
Capex To Operating Cash Flow	+ 0.96	Capex To Revenue

Pocfratio	- 0.9	Free Cash Flow Yield
Free Cash Flow Yield	- 0.86	Price To Sales Ratio
Capex To Revenue	- 0.85	Price To Sales Ratio
Income Quality	- 0.83	Net Income Per Share
Pfcf Ratio	- 0.82	Free Cash Flow Yield
Return On Tangible Assets	- 0.81	Payout Ratio