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

NBTB POWR Grades

• NBTB scores best on the Stability dimension, with a Stability rank ahead of 94.93% of US stocks.
• The strongest trend for NBTB is in Value, which has been heading up over the past 51 weeks.
• NBTB ranks lowest in Growth; there it ranks in the 15th percentile.

NBTB Stock Summary

• NBTB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.08% of US stocks.
• With a year-over-year growth in debt of -49.57%, Nbt Bancorp Inc's debt growth rate surpasses just 9.61% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for NBTB comes in at 22.34% -- higher than that of 90.34% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to Nbt Bancorp Inc are UCBI, RBCAA, SMBC, FMAO, 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/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 5 year net cashflow from operations growth rate is now at 24.6%.
• The 3 year revenue growth rate now stands at 15.63%.
• The 4 year net income to common stockholders growth rate now stands at 32.55%.

NBTB's revenue has moved up $66,413,000 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
2021-06-30	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
2020-03-31	407.425	155.177	102.262

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 44.23% of graded US stocks.
• NBTB's asset turnover comes in at 0.042 -- ranking 147th of 433 Banking stocks.
• EVBN, GABC, and ESXB are the stocks whose asset turnover ratios are most correlated with NBTB.

The table below shows NBTB's key quality metrics over time.