NBT Bancorp Inc. (NBTB)
NEUTRALFundamental
61
Kurs
$51.30
Marktkapitalisierung
$2.72B
Teil 1 · Was das Unternehmen wert ist
Übersicht
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
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Bilanz & Liquidität
Umsatz
$742M
Letzte 12 Monate (bis 30.6.2026)
Nettogewinn
$214M
Letzte 12 Monate (bis 30.6.2026)
Freier Cashflow
$219M
Gesamtes Eigenkapital
$1.90B
Gesamtverbindlichkeiten
$14.10B
Current Ratio
-
Zinsdeckungsgrad
0.51
Schulden/EBITDA
-
Gewinn je Aktie
Umsatz & Nettogewinn
Freier Cashflow
Ertragsaufschlüsselung
Historische Aufstellung
Margen im Zeitverlauf
Verschuldung im Zeitverlauf
Wachstumsraster
Wachstum — Umsatz
Innerer-Wert-Schätzung
Innerer Wert
$56.28
Aktueller Kurs
$51.30
Sicherheitsmarge
+8.8%
Innerer-Wert-Spanne
$46.18 - $66.38
Bewertungsmethoden
Bewertungskennzahlen
P/E-Verhältnis
12.62
ROE
8.9%
P/B-Verhältnis
1.39
P/FCF
11.00
Bruttomarge
-
ROIC
-
Rentabilitäts-Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.7%
ROIC − WACC
-
Fundamentalanalyse-Kriterien
Bestanden (14)
- EPS shows upward trend
- P/FCF 11.00
- P/B Ratio 1.39
- Operating Margin 37.4%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 11.3%
- Analyst Consensus 54% Buy
- PEG Ratio 1.86
- Earnings Quality (OCF/NI) 1.22
- Net Margin Trend 28.8% vs 21.4%
- Piotroski F-Score 6/9
Nicht bestanden (9)
- EPS CAGR 3.69%
- Price CAGR 2.21%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Revenue Growth 5Y 4.4%
- Earnings Surprise avg 1.1%
- Share Dilution 7.3%
Nicht verfügbar (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Gemischte Signale: Einige Bereiche bedürfen Aufmerksamkeit
Gewinnqualität
Hohe Qualität: Gewinne durch Cashflow gedeckt
Aktienverwässerung
Neue Aktien werden ausgegeben, Eigentum wird verwässert
Unternehmensführung
Führungsteam
| Name | Position | Alter |
|---|---|---|
| Mr. Scott A. Kingsley CPA | President, CEO & Director | 60 |
| Ms. Annette L. Burns | Executive VP & CFO | 52 |
| Mr. Joseph R. Stagliano | Senior Executive Vice President | 56 |
| Ms. Amy C. Wiles | Strategic Advisor | 66 |
| Ms. Ruth Halley Mahoney | Executive VP & President of Wealth Management | 57 |
| Amy S. Hurta | Senior VP & Senior Director of Operations | - |
| Mr. Kenneth J. Entenmann C.F.A. | Senior VP, Chief Investment Officer & Chief Economist | - |
| Mr. Martin Randolph Sparks | Executive VP, General Counsel, Chief Ethics Officer & Corporate Secretary | 66 |
| Ms. Florence R. Doller | Senior VP & Director of Corporate Communications | - |
| Ms. Cynthia A. Smaniotto | Executive VP & Chief Human Resources Officer | - |
Prüfungsrisiko
3
Vorstandsrisiko
5
Vergütungsrisiko
1
Aktionärsrechterisiko
2
Teil 2 · Der Preis und der Einstiegszeitpunkt
Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.
Latest News
Recent headlines for NBTB, sourced from Markets Gazette.
- 4/24/2026NEUTRALFull Transcript: NBT Bancorp Q1 2026 Earnings Call
NBT Bancorp has released the full transcript of its Q1 2026 Earnings Call, dated April 24, 2026. The transcript provides detailed insights into the company's financial performance, strategic initiatives, and outlook for the upcoming quarters. Investors and analysts can review the discussions on revenue streams, operational efficiency, market positioning, and management's forward-looking statements. While the transcript itself is informational, it allows for a deeper understanding of the company's trajectory and potential future developments without immediate price-moving news.
via Markets Gazette