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NBT Bancorp Inc NBTB

Morningstar Rating
$34.75 −0.36 (1.03%)
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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
$34.69
Fair Value
$76.30
Uncertainty
High
1-Star Price
$76.49
5-Star Price
$22.75
Economic Moat
Kdzn
Capital Allocation
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News

Trading Information

Previous Close Price
$35.11
Day Range
$34.6335.36
52-Week Range
$27.5343.77
Bid/Ask
$13.91 / $36.61
Market Cap
$1.64 Bil
Volume/Avg
124,193 / 193,936

Key Statistics

Price/Earnings (Normalized)
10.26
Price/Sales
3.02
Dividend Yield (Trailing)
3.57%
Dividend Yield (Forward)
3.68%
Total Yield
3.87%

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, as well as trust and investment services. Loans products include consumer loans, home equity loans, mortgages, business banking loans, 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 the states of New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
1,861

Comparables

Valuation

Metric
NBTB
STBA
HONE
Price/Earnings (Normalized)
10.268.1813.77
Price/Book Value
1.140.930.76
Price/Sales
3.022.962.63
Price/Cash Flow
8.427.228.73
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)
1.12%1.61%0.67%
Return on Equity (Normalized)
11.15%12.33%5.81%
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
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRNrcb$68.6 Bil
ITUB
Itau Unibanco Holding SA ADRXtbv$64.7 Bil
USB
U.S. BancorpJxpm$64.1 Bil
PNC
PNC Financial Services Group IncWhrkc$58.4 Bil
ISNPY
Intesa Sanpaolo ADRWqwl$56.1 Bil
TFC
Truist Financial CorpRylbpl$47.4 Bil
MFG
Mizuho Financial Group Inc ADRDyg$46.1 Bil
LYG
Lloyds Banking Group PLC ADRRpxhmcl$35.2 Bil
BBD
Bank Bradesco SA ADRSpt$28.5 Bil
DB
Deutsche Bank AGCkysc$25.9 Bil

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