NBT Historical Financial Ratios

NBTB Stock

USD 50.97 0.71 1.41%

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 Days Sales Outstanding of 0.0 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 Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's PTB Ratio is expected to grow to 1.80, whereas Price To Sales Ratio is forecasted to decline to 2.65.

Price To Sales Ratio Dividend Yield Ptb Ratio Book Value Per Share Sales General And Administrative To Revenue Return On Capital Employed

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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.

Dividend Yield

Dividend Yield is NBT Bancorp dividend as a percentage of NBT Bancorp stock price. NBT Bancorp dividend yield is a measure of NBT Bancorp stock productivity, which can be interpreted as interest rate earned on an NBT Bancorp investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

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.

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 Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's PTB Ratio is expected to grow to 1.80, whereas Price To Sales Ratio is forecasted to decline to 2.65.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0285	0.0267	0.0297	0.0345
Price To Sales Ratio	3.51	3.62	3.83	2.65

Dividend Yield Price To Sales Ratio

NBT Bancorp fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	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	Earnings Yield
Price To Sales Ratio		-0.91	0.72	0.48	-0.86	0.58	-0.36	0.72	0.73	0.6	0.0	0.44	-0.86	0.34	0.91	0.47	-0.14	-0.77	0.76	-0.6	0.15	0.64	0.51	0.29	0.58	-0.57
Dividend Yield	-0.91		-0.68	-0.33	0.62	-0.5	0.55	-0.68	-0.58	-0.54	-0.13	-0.38	0.81	-0.16	-0.77	-0.51	0.28	0.79	-0.61	0.43	-0.2	-0.46	-0.44	-0.35	-0.4	0.45
Ptb Ratio	0.72	-0.68		0.48	-0.66	0.21	-0.23	1.0	0.73	0.23	-0.32	0.4	-0.49	0.04	0.69	0.28	0.31	-0.41	0.81	-0.16	0.14	0.8	0.77	0.08	0.78	-0.71
Book Value Per Share	0.48	-0.33	0.48		-0.57	0.56	-0.35	0.48	0.2	0.57	0.24	0.86	-0.46	0.42	0.39	0.34	0.15	-0.39	0.54	-0.38	0.28	0.25	0.27	0.25	0.25	-0.26
Free Cash Flow Yield	-0.86	0.62	-0.66	-0.57		-0.5	0.0	-0.66	-0.7	-0.5	0.15	-0.48	0.65	-0.47	-0.9	-0.43	-0.05	0.46	-0.84	0.72	-0.15	-0.71	-0.45	-0.25	-0.69	0.55
Operating Cash Flow Per Share	0.58	-0.5	0.21	0.56	-0.5		-0.2	0.21	0.29	1.0	0.48	0.75	-0.72	0.64	0.32	0.61	-0.55	-0.74	0.11	-0.7	0.61	0.05	-0.22	0.69	0.0	0.12
Capex To Depreciation	-0.36	0.55	-0.23	-0.35	0.0	-0.2		-0.23	0.03	-0.26	-0.31	-0.29	0.58	0.09	-0.23	-0.22	0.13	0.65	-0.2	-0.07	0.08	0.07	-0.26	-0.05	0.13	0.17
Pb Ratio	0.72	-0.68	1.0	0.48	-0.66	0.21	-0.23		0.73	0.23	-0.32	0.4	-0.49	0.04	0.69	0.28	0.31	-0.41	0.81	-0.16	0.14	0.8	0.77	0.08	0.78	-0.71
Ev To Sales	0.73	-0.58	0.73	0.2	-0.7	0.29	0.03	0.73		0.31	-0.52	0.08	-0.54	-0.05	0.67	0.06	0.25	-0.45	0.62	-0.24	-0.08	0.93	0.65	-0.03	0.9	-0.76
Free Cash Flow Per Share	0.6	-0.54	0.23	0.57	-0.5	1.0	-0.26	0.23	0.31		0.48	0.75	-0.75	0.63	0.33	0.62	-0.54	-0.77	0.12	-0.68	0.6	0.06	-0.19	0.68	0.01	0.1
Roic	0.0	-0.13	-0.32	0.24	0.15	0.48	-0.31	-0.32	-0.52	0.48		0.55	-0.15	0.33	-0.13	0.48	-0.78	-0.22	-0.26	-0.44	0.64	-0.62	-0.67	0.68	-0.64	0.72
Net Income Per Share	0.44	-0.38	0.4	0.86	-0.48	0.75	-0.29	0.4	0.08	0.75	0.55		-0.49	0.57	0.3	0.64	-0.29	-0.45	0.34	-0.59	0.72	0.05	-0.1	0.69	0.04	0.13
Capex To Revenue	-0.86	0.81	-0.49	-0.46	0.65	-0.72	0.58	-0.49	-0.54	-0.75	-0.15	-0.49		-0.44	-0.69	-0.57	0.31	0.96	-0.47	0.56	-0.21	-0.37	-0.27	-0.37	-0.29	0.33
Cash Per Share	0.34	-0.16	0.04	0.42	-0.47	0.64	0.09	0.04	-0.05	0.63	0.33	0.57	-0.44		0.28	0.64	-0.36	-0.38	0.14	-0.67	0.48	-0.13	-0.24	0.45	-0.15	0.23
Pocfratio	0.91	-0.77	0.69	0.39	-0.9	0.32	-0.23	0.69	0.67	0.33	-0.13	0.3	-0.69	0.28		0.36	0.01	-0.51	0.91	-0.61	0.01	0.71	0.56	0.14	0.68	-0.61
Interest Coverage	0.47	-0.51	0.28	0.34	-0.43	0.61	-0.22	0.28	0.06	0.62	0.48	0.64	-0.57	0.64	0.36		-0.51	-0.52	0.23	-0.62	0.66	-0.03	-0.16	0.66	-0.06	0.19
Payout Ratio	-0.14	0.28	0.31	0.15	-0.05	-0.55	0.13	0.31	0.25	-0.54	-0.78	-0.29	0.31	-0.36	0.01	-0.51		0.37	0.33	0.58	-0.66	0.48	0.72	-0.8	0.53	-0.69
Capex To Operating Cash Flow	-0.77	0.79	-0.41	-0.39	0.46	-0.74	0.65	-0.41	-0.45	-0.77	-0.22	-0.45	0.96	-0.38	-0.51	-0.52	0.37		-0.28	0.42	-0.22	-0.22	-0.2	-0.37	-0.14	0.24
Pfcf Ratio	0.76	-0.61	0.81	0.54	-0.84	0.11	-0.2	0.81	0.62	0.12	-0.26	0.34	-0.47	0.14	0.91	0.23	0.33	-0.28		-0.4	-0.06	0.78	0.73	-0.02	0.78	-0.72
Income Quality	-0.6	0.43	-0.16	-0.38	0.72	-0.7	-0.07	-0.16	-0.24	-0.68	-0.44	-0.59	0.56	-0.67	-0.61	-0.62	0.58	0.42	-0.4		-0.59	-0.16	0.26	-0.72	-0.13	-0.16
Roe	0.15	-0.2	0.14	0.28	-0.15	0.61	0.08	0.14	-0.08	0.6	0.64	0.72	-0.21	0.48	0.01	0.66	-0.66	-0.22	-0.06	-0.59		-0.18	-0.52	0.93	-0.19	0.56
Ev To Operating Cash Flow	0.64	-0.46	0.8	0.25	-0.71	0.05	0.07	0.8	0.93	0.06	-0.62	0.05	-0.37	-0.13	0.71	-0.03	0.48	-0.22	0.78	-0.16	-0.18		0.77	-0.17	1.0	-0.84
Pe Ratio	0.51	-0.44	0.77	0.27	-0.45	-0.22	-0.26	0.77	0.65	-0.19	-0.67	-0.1	-0.27	-0.24	0.56	-0.16	0.72	-0.2	0.73	0.26	-0.52	0.77		-0.55	0.77	-0.96
Return On Tangible Assets	0.29	-0.35	0.08	0.25	-0.25	0.69	-0.05	0.08	-0.03	0.68	0.68	0.69	-0.37	0.45	0.14	0.66	-0.8	-0.37	-0.02	-0.72	0.93	-0.17	-0.55		-0.2	0.52
Ev To Free Cash Flow	0.58	-0.4	0.78	0.25	-0.69	0.0	0.13	0.78	0.9	0.01	-0.64	0.04	-0.29	-0.15	0.68	-0.06	0.53	-0.14	0.78	-0.13	-0.19	1.0	0.77	-0.2		-0.83
Earnings Yield	-0.57	0.45	-0.71	-0.26	0.55	0.12	0.17	-0.71	-0.76	0.1	0.72	0.13	0.33	0.23	-0.61	0.19	-0.69	0.24	-0.72	-0.16	0.56	-0.84	-0.96	0.52	-0.83

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NBT Bancorp Account Relationship Matchups

NBT Bancorp fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	3.94	3.06	3.51	3.62	3.83	2.65
Dividend Yield	0.0259	0.0337	0.0285	0.0267	0.0297	0.0345
Ptb Ratio	1.48	1.59	1.18	1.34	1.32	1.8
Book Value Per Share	25.57	27.18	28.8	27.34	31.81	33.4
Free Cash Flow Yield	0.0826	0.0957	0.0896	0.0946	0.0789	0.11
Operating Cash Flow Per Share	3.5	3.26	3.63	4.27	3.51	1.83
Stock Based Compensation To Revenue	0.009326	0.009988	0.009274	0.008794	0.0104	0.012
Capex To Depreciation	0.33	0.4	0.39	0.37	0.42	0.41
Pb Ratio	1.48	1.59	1.18	1.34	1.32	1.8
Ev To Sales	5.27	2.48	1.5	4.76	4.52	3.85
Free Cash Flow Per Share	3.35	3.07	3.45	4.11	3.31	1.69
Roic	0.0623	0.0655	0.0992	0.0901	0.0794	0.0422
Net Income Per Share	2.76	2.39	3.57	3.54	2.65	2.78
Capex To Revenue	0.0147	0.0178	0.0163	0.0136	0.0189	0.0303
Cash Per Share	27.21	46.26	68.09	40.18	36.5	19.06
Pocfratio	11.58	9.85	10.61	10.17	11.93	8.71
Interest Coverage	2.78	4.08	10.64	9.97	1.4	1.8
Capex To Operating Cash Flow	0.0501	0.0433	0.0573	0.0491	0.0383	0.0588
Pfcf Ratio	12.1	10.45	11.16	10.57	12.68	13.82
Income Quality	1.27	1.36	1.02	1.21	1.33	2.23
Ev To Operating Cash Flow	15.51	7.98	4.54	13.39	14.08	17.19
Pe Ratio	14.68	13.44	10.8	12.26	15.82	21.49
Return On Tangible Assets	0.0128	0.00981	0.0132	0.0133	0.009203	0.00808
Ev To Free Cash Flow	16.22	8.47	4.77	13.93	14.96	19.61
Earnings Yield	0.0681	0.0744	0.0926	0.0816	0.0632	0.0526
Intangibles To Total Assets	0.0295	0.0267	0.0241	0.0246	0.0302	0.0167
Net Debt To E B I T D A	3.44	(1.73)	(4.36)	2.74	1.93	2.88
Current Ratio	1.82	12.0	30.23	2.95	0.0215	0.0204
Tangible Book Value Per Share	19.03	20.49	22.13	20.62	22.83	23.97
Graham Number	39.86	38.22	48.08	46.68	43.55	45.73
Shareholders Equity Per Share	25.57	27.18	28.8	27.34	31.81	33.4
Debt To Equity	0.73	0.34	0.25	0.6	0.38	0.36
Graham Net Net	(168.97)	(176.78)	(179.76)	(206.01)	(228.62)	(240.05)
Revenue Per Share	10.3	10.5	10.96	12.0	10.94	5.62
Interest Debt Per Share	20.01	10.06	7.61	16.87	15.36	14.2
Debt To Assets	0.0845	0.0372	0.0259	0.0598	0.0409	0.0388

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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

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Is NBT Stock a good investment?

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What is NBT Bancorp's Net Worth?

Details

Largest Banks - Regional Companies

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Largest Financial Services Companies

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

You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

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

0.481

Dividend Share

1.3

Earnings Share

2.85

Revenue Per Share

11.427

Quarterly Revenue Growth

0.18

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.

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Price To Sales Ratio	Dividend Yield
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
Earnings Yield	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
Short Term Coverage Ratios	Price Earnings Ratio
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
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

Dividend Yield

Ptb Ratio

Book Value Per Share

NBT Bancorp fundamentals Correlations

NBT Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

NBT Bancorp fundamentals Accounts

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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
Capex To Operating Cash Flow	+ 0.96	Capex To Revenue
Ev To Operating Cash Flow	+ 0.93	Ev To Sales
Return On Tangible Assets	+ 0.93	Roe

Earnings Yield	- 0.96	Pe Ratio
Dividend Yield	- 0.91	Price To Sales Ratio
Pocfratio	- 0.9	Free Cash Flow Yield
Capex To Revenue	- 0.86	Price To Sales Ratio
Free Cash Flow Yield	- 0.86	Price To Sales Ratio
Earnings Yield	- 0.84	Ev To Operating Cash Flow