NBT Bancorp Inc. (NBTB): Price and Financial Metrics

NBTB POWR Grades

• Stability is the dimension where NBTB ranks best; there it ranks ahead of 74.62% of US stocks.
• NBTB's strongest trending metric is Growth; it's been moving down over the last 179 days.
• NBTB's current lowest rank is in the Value metric (where it is better than 9.94% of US stocks).

NBTB Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.92 for NBT BANCORP INC; that's greater than it is for 89.9% of US stocks.
• With a year-over-year growth in debt of 152.25%, NBT BANCORP INC's debt growth rate surpasses 91.05% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for NBTB comes in at -24.7% -- higher than that of only 16.83% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to NBT BANCORP INC, a group of peers worth examining would be HBT, SBFG, CZNC, SYBT, and USCB.
• NBTB's SEC filings can be seen here. And to visit NBT BANCORP INC's official web site, go to www.nbtbancorp.com.

NBTB Valuation Summary

• NBTB's price/sales ratio is 2.9; this is 222.22% higher than that of the median Financial Services stock.
• NBTB's price/earnings ratio has moved down 3 over the prior 243 months.

Below are key valuation metrics over time for NBTB.

NBTB Growth Metrics

Its 3 year cash and equivalents growth rate is now at 25.61%.
• The 5 year net cashflow from operations growth rate now stands at 43.79%.
• The 5 year cash and equivalents growth rate now stands at 16.6%.

Over the past 33 months, NBTB's revenue has gone up $67,457,000.

The table below shows NBTB's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	497.623	175.906	153.184
2022-06-30	491.802	164.688	151.644
2022-03-31	490.661	150.477	154.165
2021-12-31	487.139	157.635	154.885
2021-09-30	482.774	170.255	151.769
2021-06-30	473.838	161.057	149.449

NBTB's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• NBTB has a Quality Grade of C, ranking ahead of 43.54% of graded US stocks.
• NBTB's asset turnover comes in at 0.042 -- ranking 148th of 428 Banking stocks.
• GABC, ESXB, and TREE are the stocks whose asset turnover ratios are most correlated with NBTB.

The table below shows NBTB's key quality metrics over time.