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

NBTB POWR Grades

• NBTB scores best on the Stability dimension, with a Stability rank ahead of 95.38% of US stocks.
• The strongest trend for NBTB is in Value, which has been heading down over the past 179 days.
• NBTB ranks lowest in Value; there it ranks in the 28th percentile.

NBTB Stock Summary

• With a one year PEG ratio of 844.56, NBT BANCORP INC is expected to have a higher PEG ratio (a measure of how expensive a stock is relative to its expected earnings growth) than 96.93% of US stocks.
• NBTB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.8% of US stocks.
• In terms of volatility of its share price, NBTB is more volatile than only 4.55% of stocks we're observing.
• Stocks that are quantitatively similar to NBTB, based on their financial statements, market capitalization, and price volatility, are SMBK, HBT, VLY, SRCE, and FISI.
• Visit NBTB's SEC page to see the company's official filings. To visit the company's web site, go to www.nbtbancorp.com.

NBTB Valuation Summary

• NBTB's price/sales ratio is 3.4; this is 209.09% higher than that of the median Financial Services stock.
• NBTB's price/earnings ratio has moved down 33.3 over the prior 243 months.

Below are key valuation metrics over time for NBTB.

NBTB Growth Metrics

Its 2 year net income to common stockholders growth rate is now at 50.75%.
• Its year over year revenue growth rate is now at 9.83%.
• Its 2 year revenue growth rate is now at 20.43%.

Over the past 52 months, NBTB's revenue has gone up $110,588,000.

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
2022-06-30	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
2021-03-31	446.745	143.787	133.866

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.