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

NBTB POWR Grades

• Stability is the dimension where NBTB ranks best; there it ranks ahead of 83.81% of US stocks.
• The strongest trend for NBTB is in Stability, which has been heading down over the past 179 days.
• NBTB ranks lowest in Sentiment; there it ranks in the 11th percentile.

NBTB Stock Summary

• With a one year PEG ratio of 1,033.66, 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 97.42% of US stocks.
• NBT BANCORP INC's stock had its IPO on March 17, 1992, making it an older stock than 82.53% of US equities in our set.
• NBTB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.71% of US stocks.
• Stocks that are quantitatively similar to NBTB, based on their financial statements, market capitalization, and price volatility, are SPFI, HBT, LCNB, COFS, and GNTY.
• 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 3.5; this is 16.67% higher than that of the median Financial Services stock.
• NBTB's EV/EBIT ratio has moved down 23.9 over the prior 243 months.

Below are key valuation metrics over time for NBTB.

NBTB Growth Metrics

Its year over year net cashflow from operations growth rate is now at 4.65%.
• The 2 year net cashflow from operations growth rate now stands at -3.03%.
• Its year over year price growth rate is now at -9.07%.

NBTB's revenue has moved up $139,884,000 over the prior 67 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
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.