NBTB Stock Forecast, Price Targets, Chart, Dividends & Analysis
NBT Bancorp Inc.
NBTB 
NGS
Sector: Financial Services
Industry: Banks - Regional - US
48.27
USD
-0.19
(-0.39%)
Previous close: 48.46 Open: 49.49 Bid: 44.24 Ask: 52.4
52 week range
32.79 52.44
Mkt Cap: 2,400 M Avg Vol (90 Days): 205,106
Last updated: Friday 20th December 2024
Metrics
Valuation
Price per Sales TTM ($) | 4.38 |
Price per Book TTM ($) | 1.62 |
PE Ratio (TTM) | 18.43 |
Book Value per Share ($) | 32.26 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -6.60% | |
1 Month Return | -1.13% | |
3 Month Return | 6.72% | |
1 Year Return | 17.68% | |
3 Year Return | 43.96% | |
5 Year Return | 37.17% | |
YTD Return | 15.18% |
Risk
Dividends
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 42.48 |
14 Day SMA ($) | 50.33 |
14 Day EMA ($) | 50.15 |
Money Flow Index | 70.62 |
Average True Range | 1.50 |
50 Day SMA ($) | 48.07 |
200 Day SMA ($) | 42.14 |
ADX | 22.48 |
MACD | 1.56 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
NBTB Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amortization of intangibles | -5 M | -5 M | -4 M | -4 M | -4 M | 4 M | 3 M | 3 M | 2 M | 5 M |
| Basic EPS from continuing operations | 1.71 | 1.74 | 1.81 | 1.89 | 2.58 | 2.76 | 2.39 | 3.57 | 3.54 | 2.67 |
| Basic EPS total | 1.71 | 1.74 | 1.81 | 1.89 | 2.58 | 2.76 | 2.39 | 3.57 | 3.54 | 2.67 |
| Basic weighted shares outstanding | 44 M | 43836.0 | 43244.0 | 43575.0 | 43701.0 | 43815.0 | 44 M | 43 M | 43 M | 45 M |
| CreditLossesProvision | 20 M | 18 M | 25 M | 31 M | 29 M | 25 M | 51 M | 8 M | 17 M | 25 M |
| Depreciation | -9 M | -9 M | -9 M | 9 M | 10 M | 10 M | 10 M | 11 M | ||
| Depreciation unreconciled | 5 M | 5 M | 4 M | 4 M | 4 M | 4 M | 3 M | 3 M | 2 M | 5 M |
| DepreciationAndAmortization | 5 M | 5 M | 4 M | 4 M | 4 M | 4 M | 3 M | 3 M | 2 M | 5 M |
| Diluted EPS total | 1.69 | 1.72 | 1.8 | 1.87 | 2.56 | 2.74 | 2.37 | 3.54 | 3.52 | 2.65 |
| Diluted normalized net income/share | 1.69 | 1.72 | 1.8 | 1.87 | 2.56 | 2.74 | 2.37 | 3.54 | 3.52 | 2.65 |
| Diluted weighted shares outstanding | 44 M | 44389.0 | 43622.0 | 43905.0 | 44020.0 | 44124.0 | 44 M | 44 M | 43 M | 45 M |
| Dividends paid per share | 0.99 | 1.05 | 1.1 | 1.16 | 1.24 | |||||
| EarningLossOfEquityInvestments | 19 M | 4 M | 818000.0 | |||||||
| Equipment | 13 M | 13 M | 14 M | 15 M | 17 M | 19 M | 20 M | 22 M | ||
| FeesAndCommissions | 43 M | 43 M | 43 M | 25 M | 18 M | 20 M | 14 M | 15 M | 14 M | 6 M |
| GeneralAndAdministrativeExpense | 27 M | 31 M | 24 M | 27 M | 26 M | 9 M | 9 M | 9 M | 9 M | 13 M |
| ImpairmentOfCapitalAssets | -3 M | -1 M | ||||||||
| Income before tax | 112 M | 117 M | 119 M | 128 M | 137 M | 155 M | 133 M | 200 M | 196 M | 153 M |
| Income restructuring and M&A | 967000.0 | 10 M | ||||||||
| Income taxes | 42 M | 45 M | 46 M | 51 M | 29 M | 34 M | 29 M | 45 M | 44 M | 35 M |
| InsuranceAndClaims | 20 M | 25 M | 18 M | 20 M | 20 M | 2 M | 3 M | 3 M | 3 M | 6 M |
| Interest expense | -23 M | -21 M | -23 M | -26 M | -39 M | 56 M | 33 M | 19 M | 22 M | 145 M |
| InterestExpenseForDeposit | 14 M | 14 M | 14 M | 14 M | 22 M | 40 M | 22 M | 11 M | 10 M | 105 M |
| InterestExpenseForLongTermDebt | 9 M | 6 M | 6 M | 5 M | 4 M | 4 M | 6 M | 8 M | 9 M | 13 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 9 M | 6 M | 6 M | 5 M | 4 M | 4 M | 6 M | 8 M | 9 M | 13 M |
| InterestExpenseForShortTermDebt | 845000.0 | 783000.0 | 2 M | 6 M | 11 M | 10 M | 3 M | 158000.0 | 3 M | 26 M |
| InterestIncome | 275 M | 273 M | 287 M | 309 M | 344 M | 368 M | 348 M | 340 M | 384 M | 523 M |
| InterestIncomeAfterProvisionForLoanLoss | 213 M | 216 M | 214 M | 222 M | 248 M | 286 M | 265 M | 313 M | 345 M | 353 M |
| InterestIncomeFromInvestmentSecurities | 24 M | 20 M | 24 M | 29 M | 27 M | 23 M | 22 M | 23 M | 30 M | 30 M |
| InterestIncomeFromLoans | 243 M | 242 M | 251 M | 267 M | 301 M | 321 M | 308 M | 302 M | 333 M | 463 M |
| InterestIncomeFromLoansAndLease | 243 M | 242 M | 251 M | 267 M | 301 M | 321 M | 308 M | 302 M | 333 M | 463 M |
| InterestIncomeFromSecurities | 24 M | 20 M | 24 M | 29 M | 27 M | 23 M | 22 M | 23 M | 30 M | 30 M |
| Net income from total operations | 75 M | 76 M | 78 M | 82 M | 113 M | 121 M | 104 M | 155 M | 152 M | 119 M |
| NetIncomeCommonStockholders | 75 M | 76 M | 78 M | 82 M | 113 M | 133 M | 104 M | 155 M | 152 M | 119 M |
| NetIncomeContinuousOperations | 75 M | 76 M | 78 M | 82 M | 113 M | 121 M | 104 M | 155 M | 152 M | 119 M |
| NetInterestIncome | 232 M | 234 M | 239 M | 253 M | 277 M | 312 M | 316 M | 321 M | 362 M | 378 M |
| NetOccupancyExpense | 22 M | 22 M | 21 M | 22 M | 22 M | 23 M | 22 M | 26 M | 26 M | 28 M |
| NonInterestExpense | -246 M | -236 M | -236 M | -246 M | -265 M | 275 M | 278 M | 287 M | 304 M | 342 M |
| NonInterestIncome | 126 M | 118 M | 116 M | 121 M | 125 M | 144 M | 146 M | 158 M | 156 M | 142 M |
| Normalized income | 17 M | |||||||||
| OccupancyAndEquipment | 35 M | 36 M | 35 M | 37 M | 39 M | 41 M | 42 M | 26 M | 26 M | 28 M |
| Other special charges | -8 M | -8 M | -8 M | -8 M | -9 M | -73 M | -110 M | -92 M | -101 M | -114 M |
| OtherCustomerServices | 25 M | 24 M | 24 M | 24 M | 24 M | 16 M | 15 M | 14 M | 15 M | 16 M |
| OtherGandA | 27 M | 31 M | 24 M | 27 M | 26 M | 9 M | 9 M | 9 M | 9 M | 13 M |
| OtherInterestExpense | -26 M | 2 M | -2 M | -2 M | -389000.0 | -161000.0 | -925000.0 | |||
| OtherInterestIncome | 7 M | 11 M | 12 M | 14 M | 17 M | 23 M | 18 M | 14 M | 22 M | 30 M |
| OtherNonInterestExpense | 37 M | 19 M | 20 M | 22 M | 22 M | 39 M | 38 M | 52 M | 53 M | 65 M |
| OtherNonInterestIncome | 63 M | 68 M | 73 M | 95 M | 107 M | 124 M | 132 M | 143 M | 142 M | 136 M |
| ProfessionalExpenseAndContractServicesExpense | 14 M | 13 M | 14 M | 13 M | 14 M | 15 M | 15 M | 16 M | 17 M | 18 M |
| PromotionAndAdvertising | 3 M | 3 M | 3 M | 3 M | 3 M | 3 M | 2 M | 3 M | 3 M | 3 M |
| Revenue per share | 5 M | 5 M | 4 M | 4 M | 4 M | 4 M | 3 M | 3 M | 2 M | 5 M |
| SalariesAndWages | 120 M | 124 M | 131 M | 135 M | 152 M | 157 M | 162 M | 173 M | 188 M | 194 M |
| SecuritiesActivities | 236 M | 481 M | 597 M | 2 M | -6 M | 4 M | -388000.0 | 566000.0 | -1 M | -9 M |
| Selling Gen & administrative expense | 150 M | 158 M | 158 M | 165 M | 180 M | 168 M | 173 M | 184 M | 200 M | 210 M |
| SellingAndMarketingExpense | 3 M | 3 M | 3 M | 3 M | 3 M | 3 M | 2 M | 3 M | 3 M | 3 M |
| ServiceChargeOnDepositorAccounts | 19 M | 19 M | 19 M | 20 M | ||||||
| Special income/charges | -37 M | -19 M | -20 M | -22 M | -22 M | -39 M | -38 M | -52 M | -54 M | -75 M |
| Total common shares outstanding | 44 M | 43 M | 43 M | 44 M | 44 M | 44 M | 44 M | 43 M | 43 M | 47 M |
| Total net income | 75 M | 76 M | 78 M | 82 M | 113 M | 121 M | 104 M | 155 M | 152 M | 119 M |
| Total ordinary shares | 47 M | 47 M | 47 M | 47 M | 47 M | 47 M | 47 M | 47 M | 47 M | 47 M |
| Total revenues | 358 M | 353 M | 355 M | 374 M | 402 M | 456 M | 462 M | 479 M | 515 M | 518 M |
| TotalRevenue | 358 M | 353 M | 355 M | 374 M | 402 M | 456 M | 462 M | 479 M | 515 M | 518 M |
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