NBT Bancorp Inc. (NBTB)
NEUTRALFondamental
61
Prix
$51.30
Capitalisation boursière
$2.72B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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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Bilan & Liquidités
Chiffre d'affaires
$742M
12 derniers mois (au 30/06/2026)
Résultat net
$214M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$219M
Capitaux propres totaux
$1.90B
Passif total
$14.10B
Ratio de liquidité général
-
Couverture des intérêts
0.51
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$56.28
Prix actuel
$51.30
Marge de sécurité
+8.8%
Fourchette de juste valeur
$46.18 - $66.38
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
12.62
ROE
8.9%
Ratio P/B
1.39
P/FCF
11.00
Marge brute
-
ROIC
-
Radar de rentabilité
Value Creation (Economic Moat)
ROIC
-
WACC
8.7%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (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
Échoué (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%
Indisponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Émission de nouvelles actions, diluant la participation
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 | - |
Risque d'audit
3
Risque du conseil
5
Risque de rémunération
1
Risque droits des actionnaires
2
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
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