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NBT Bancorp Inc NBTB

Morningstar Rating
$34.79 +0.18 (0.52%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

NBTB is trading at a 16% discount.
Price
$34.83
Fair Value
$44.21
Uncertainty
High
1-Star Price
$62.89
5-Star Price
$35.43
Economic Moat
Msnp
Capital Allocation
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News

Trading Information

Previous Close Price
$34.61
Day Range
$34.5035.01
52-Week Range
$27.5343.77
Bid/Ask
$13.92 / $55.66
Market Cap
$1.64 Bil
Volume/Avg
137,774 / 222,362

Key Statistics

Price/Earnings (Normalized)
10.68
Price/Sales
2.99
Dividend Yield (Trailing)
3.62%
Dividend Yield (Forward)
3.68%
Total Yield
3.92%

Company Profile

NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. NBT Bank is a full-service community bank offering a full range of retail and commercial banking products and trust and investment services. Loan products include consumer, home equity, mortgage, business banking, and commercial loans. Nearly half of its loan portfolio is in commercial loans. The bank serves individuals, corporations, and municipalities, and operates scores of locations throughout New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
2,034

Comparables

Valuation

Metric
NBTB
STBA
HONE
Price/Earnings (Normalized)
10.688.2315.90
Price/Book Value
1.140.920.73
Price/Sales
2.992.922.55
Price/Cash Flow
8.366.7911.19
Price/Earnings
NBTB
STBA
HONE

Financial Strength

Metric
NBTB
STBA
HONE
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
NBTB
STBA
HONE
Return on Assets (Normalized)
1.07%1.59%0.48%
Return on Equity (Normalized)
10.50%12.05%4.31%
Return on Invested Capital (Normalized)
Return on Assets
NBTB
STBA
HONE
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRLtzbgnfkFvqz$80.5 Bil
ISNPY
Intesa Sanpaolo ADRPbqdhnvcRvczq$66.7 Bil
USB
U.S. BancorpDbgqpbhzrFqj$64.0 Bil
PNC
PNC Financial Services Group IncFwvzppjWvkhc$62.1 Bil
ITUB
Itau Unibanco Holding SA ADRZjjzjkrhBywj$55.4 Bil
TFC
Truist Financial CorpByvsdyvTxstvtg$50.9 Bil
MFG
Mizuho Financial Group Inc ADRNcnpjtcqSzvp$48.8 Bil
LYG
Lloyds Banking Group PLC ADRKvypthnnGkysm$40.1 Bil
DB
Deutsche Bank AGRklbXtq$31.7 Bil
NWG
NatWest Group PLC ADRLsyVkrn$30.2 Bil

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