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

NBTB POWR Grades

• Momentum is the dimension where NBTB ranks best; there it ranks ahead of 83.6% of US stocks.
• NBTB's strongest trending metric is Stability; it's been moving down over the last 177 days.
• NBTB's current lowest rank is in the Sentiment metric (where it is better than 10.93% of US stocks).

NBTB Stock Summary

• With a one year PEG ratio of 1,028.87, 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 97.44% of US stocks.
• NBTB's went public 30.92 years ago, making it older than 82.57% of listed US stocks we're tracking.
• NBTB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.7% of US stocks.
• Stocks with similar financial metrics, market capitalization, and price volatility to NBT BANCORP INC 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 3.6; this is 176.92% higher than that of the median Financial Services stock.
• NBTB's price/sales ratio has moved up 0.3 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.