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

NBTB POWR Grades

• NBTB scores best on the Stability dimension, with a Stability rank ahead of 95.53% of US stocks.
• The strongest trend for NBTB is in Momentum, which has been heading up over the past 179 days.
• NBTB ranks lowest in Growth; there it ranks in the 42nd percentile.

NBTB Stock Summary

• NBTB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.67% of US stocks.
• The volatility of Nbt Bancorp Inc's share price is greater than that of only 11.6% US stocks with at least 200 days of trading history.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for NBTB comes in at 10.19% -- higher than that of 84.17% of stocks in our set.
• Stocks that are quantitatively similar to NBTB, based on their financial statements, market capitalization, and price volatility, are NWBI, LSBK, ABCB, FISI, and RBCAA.
• 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/earnings ratio is 10.5; this is 4.55% lower than that of the median Financial Services stock.
• NBTB's price/sales ratio has moved down 0.3 over the prior 243 months.
• Over the past 243 months, NBTB's price/sales ratio has gone down 0.3.

Below are key valuation metrics over time for NBTB.

NBTB Growth Metrics

Its 3 year price growth rate is now at 35.93%.
• Its year over year cash and equivalents growth rate is now at 14.19%.
• Its 2 year price growth rate is now at -20.45%.

NBTB's revenue has moved up $87,729,000 over the prior 15 months.

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
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
2020-12-31	410.82	142.412	104.388
2020-09-30	399.41	156.911	99.154

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.