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

NBTB POWR Grades

• NBTB scores best on the Stability dimension, with a Stability rank ahead of 97.16% of US stocks.
• NBTB's strongest trending metric is Stability; it's been moving up over the last 163 days.
• NBTB ranks lowest in Growth; there it ranks in the 32nd percentile.

NBTB Stock Summary

• NBTB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.58% of US stocks.
• The volatility of Nbt Bancorp Inc's share price is greater than that of merely 14.41% 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 11.44% -- higher than that of 83.46% of stocks in our set.
• Stocks that are quantitatively similar to NBTB, based on their financial statements, market capitalization, and price volatility, are IBCP, FISI, LSBK, SMBC, and FMAO.
• 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 year over year price growth rate is now at 31.83%.
• The 2 year revenue growth rate now stands at 6.88%.
• Its 2 year price growth rate is now at -20.45%.

Over the past 15 months, NBTB's revenue has gone up $84,323,000.

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
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
2020-06-30	398.451	168.684	96.42

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.