NBT Bancorp Inc. logo NBTB - NBT Bancorp Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 4
HOLD 5
SELL 1
STRONG
SELL 0
| PRICE TARGET: $46.00 DETAILS
HIGH: $49.00
LOW: $42.00
MEDIAN: $47.00
CONSENSUS: $46.00
UPSIDE: 0.15%

Profitability Ratios

Ratio Value
GP Margin 72.1%
EBIT Margin 25.3%
EBITDA Margin 27.8%
Operating Margin 25.3%
Pretax Margin 25.3%
Cont. Ops Margin 19.5%
Net Margin 19.5%
Bottom Line Margin 19.5%

Liquidity Ratios

Ratio Value
Current Ratio 1.60
Quick Ratio 1.60
Solvency Ratio 0.014
Cash Ratio 1.25

Valuation Ratios

Ratio Value
Price/Earnings
11.56
Hist. avg: 14.9
Peers avg: 13.2
PEG Ratio 0.96
Forward PEG 0.96
Price/Book 1.03
Price/Sales 2.25
Price/FCF 8.93
Price/Op Cash Flow 8.32

Debt Ratios

Ratio Value
Debt/Assets 0.0205
Debt/Equity 0.1727
Debt/Capital 0.1472
Long-Term Debt/Capital 0.0864
Financial Leverage 8.44

Cash Flow Ratios

Ratio Value
Working Capital Turnover -0.15
Operating Cash Flow Ratio 1.589
Operating Cash Flow/Sales 27.1%
Free Cash Flow/Operating Cash Flow 93.1%

Coverage Ratios

Ratio Value
Debt Service Coverage 0.53
Interest Coverage 1.0477
Short-Term Operating Cash Flow Coverage 1.59
Operating Cash Flow Coverage 0.72
Capital Expenditure Coverage 14.43
Dividend + Capital Expenditure Coverage 2.65

Dividend Ratios

Ratio Value
Payout Ratio 42.8954%
Dividend Yield 3.7114%
Dividend Yield % 3.7114%
Dividend Per Share 1.5410

Per Share Ratios

Ratio Value
Revenue/Share 18.41
EPS 3.592
Debt/Share 11.3963
Cash/Share 3.93
Book Value/Share 40.25
Tangible BV/Share 29.41
Equity/Share 40.25
Operating Cash Flow/Share 4.993
Capital Expenditure/Share 0.346
FCF/Share 4.647

Other Ratios

Ratio Value
Net Income/Earnings Before Tax 0.771
Earnings Before Tax/EBIT 1.000
Price/Fair Value 1.03
Debt/Market Cap 0.1674
Effective Tax Rate 22.9%
Enterprise Value Multiple 8.71