Profitability
Weight: 25%
C-
50
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -4.39 pp/yr
NBTB
NBT Bancorp Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C
51
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.6%
- 5yr Share-Count CAGR 3.9%
Growth Quality
Weight: 10%
B
71
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 15.5%
- 5yr EPS CAGR -1.5%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.26x
Balance Sheet
Weight: 30%
B-
64
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.9%
- Interest Coverage (EBIT/Int) 1.05x
Stability
Weight: 10%
A-
80
- EPS Volatility (σ/μ) 0.25
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -68.2%
- New buys
- 0
- Full exits
- 0