Financhill
Buy
51

NBTB Quote, Financials, Valuation and Earnings

Last price:
$43.27
Seasonality move :
1.79%
Day range:
$42.73 - $43.49
52-week range:
$32.79 - $52.44
Dividend yield:
3.1%
P/E ratio:
14.61x
P/S ratio:
3.57x
P/B ratio:
1.34x
Volume:
292.3K
Avg. volume:
189.8K
1-year change:
30.22%
Market cap:
$2B
Revenue:
$574.4M
EPS (TTM):
$2.96

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
NBTB
NBT Bancorp
$171.8M $0.78 7.66% 3.66% $55.75
BHB
Bar Harbor Bankshares
$34.8M $0.70 -6.63% -3.03% $36.00
EVBN
Evans Bancorp
$18.9M $0.66 11.21% 38.1% $50.05
OPHC
OptimumBank Holdings
-- -- -- -- $5.50
PRK
Park National
$132.9M $2.20 7.02% -0.77% $177.83
TMP
Tompkins Financial
$80M $1.33 10.63% 11.02% $76.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
NBTB
NBT Bancorp
$43.26 $55.75 $2B 14.61x $0.34 3.1% 3.57x
BHB
Bar Harbor Bankshares
$30.34 $36.00 $464M 10.65x $0.30 3.96% 3.10x
EVBN
Evans Bancorp
$39.01 $50.05 $217.2M 18.14x $0.66 3.38% 3.12x
OPHC
OptimumBank Holdings
$4.26 $5.50 $50.1M 3.23x $0.00 0% 1.07x
PRK
Park National
$156.20 $177.83 $2.5B 16.78x $1.07 2.72% 4.87x
TMP
Tompkins Financial
$64.45 $76.50 $930.3M 13.02x $0.62 3.82% 3.12x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
NBTB
NBT Bancorp
14.94% 1.237 11.89% 2.58x
BHB
Bar Harbor Bankshares
38.8% 1.588 62.19% 2.37x
EVBN
Evans Bancorp
37.8% 1.662 46.16% 31.68x
OPHC
OptimumBank Holdings
32.64% 0.092 90.27% --
PRK
Park National
13.23% 1.245 6.85% 12.45x
TMP
Tompkins Financial
52.55% 2.061 81.26% 4.85x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
NBTB
NBT Bancorp
-- -- 7.46% 9.53% 65.73% $45.5M
BHB
Bar Harbor Bankshares
-- -- 6.08% 9.79% 85.73% $12.4M
EVBN
Evans Bancorp
-- -- 3.58% 6.65% 86.87% -$4M
OPHC
OptimumBank Holdings
-- -- 9.75% 15.06% 113.7% $5.7M
PRK
Park National
-- -- 10.15% 12.67% 57.62% $47.1M
TMP
Tompkins Financial
-- -- 5.31% 10.27% 78.09% $21.7M

NBT Bancorp vs. Competitors

  • Which has Higher Returns NBTB or BHB?

    Bar Harbor Bankshares has a net margin of 24.35% compared to NBT Bancorp's net margin of 29.5%. NBT Bancorp's return on equity of 9.53% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.76 $1.8B
    BHB
    Bar Harbor Bankshares
    -- $0.72 $749M
  • What do Analysts Say About NBTB or BHB?

    NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $36.00 which suggests that it could grow by 18.66%. Given that NBT Bancorp has higher upside potential than Bar Harbor Bankshares, analysts believe NBT Bancorp is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 2 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is NBTB or BHB More Risky?

    NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.710, suggesting its less volatile than the S&P 500 by 29.005%.

  • Which is a Better Dividend Stock NBTB or BHB?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Bar Harbor Bankshares offers a yield of 3.96% to investors and pays a quarterly dividend of $0.30 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or BHB?

    NBT Bancorp quarterly revenues are $147.9M, which are larger than Bar Harbor Bankshares quarterly revenues of $37.3M. NBT Bancorp's net income of $36M is higher than Bar Harbor Bankshares's net income of $11M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Bar Harbor Bankshares's PE ratio is 10.65x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.57x versus 3.10x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.57x 14.61x $147.9M $36M
    BHB
    Bar Harbor Bankshares
    3.10x 10.65x $37.3M $11M
  • Which has Higher Returns NBTB or EVBN?

    Evans Bancorp has a net margin of 24.35% compared to NBT Bancorp's net margin of 20.42%. NBT Bancorp's return on equity of 9.53% beat Evans Bancorp's return on equity of 6.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.76 $1.8B
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
  • What do Analysts Say About NBTB or EVBN?

    NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 28.3%. Given that NBT Bancorp has higher upside potential than Evans Bancorp, analysts believe NBT Bancorp is more attractive than Evans Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 2 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is NBTB or EVBN More Risky?

    NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.973, suggesting its less volatile than the S&P 500 by 2.735%.

  • Which is a Better Dividend Stock NBTB or EVBN?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Evans Bancorp offers a yield of 3.38% to investors and pays a quarterly dividend of $0.66 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Evans Bancorp pays out 60.97% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or EVBN?

    NBT Bancorp quarterly revenues are $147.9M, which are larger than Evans Bancorp quarterly revenues of $18.3M. NBT Bancorp's net income of $36M is higher than Evans Bancorp's net income of $3.7M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Evans Bancorp's PE ratio is 18.14x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.57x versus 3.12x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.57x 14.61x $147.9M $36M
    EVBN
    Evans Bancorp
    3.12x 18.14x $18.3M $3.7M
  • Which has Higher Returns NBTB or OPHC?

    OptimumBank Holdings has a net margin of 24.35% compared to NBT Bancorp's net margin of 38.34%. NBT Bancorp's return on equity of 9.53% beat OptimumBank Holdings's return on equity of 15.06%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.76 $1.8B
    OPHC
    OptimumBank Holdings
    -- $0.35 $153.2M
  • What do Analysts Say About NBTB or OPHC?

    NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.50 which suggests that it could grow by 29.11%. Given that OptimumBank Holdings has higher upside potential than NBT Bancorp, analysts believe OptimumBank Holdings is more attractive than NBT Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 2 0
    OPHC
    OptimumBank Holdings
    0 1 0
  • Is NBTB or OPHC More Risky?

    NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.358, suggesting its less volatile than the S&P 500 by 64.194%.

  • Which is a Better Dividend Stock NBTB or OPHC?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. NBT Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or OPHC?

    NBT Bancorp quarterly revenues are $147.9M, which are larger than OptimumBank Holdings quarterly revenues of $10.3M. NBT Bancorp's net income of $36M is higher than OptimumBank Holdings's net income of $4M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while OptimumBank Holdings's PE ratio is 3.23x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.57x versus 1.07x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.57x 14.61x $147.9M $36M
    OPHC
    OptimumBank Holdings
    1.07x 3.23x $10.3M $4M
  • Which has Higher Returns NBTB or PRK?

    Park National has a net margin of 24.35% compared to NBT Bancorp's net margin of 28.72%. NBT Bancorp's return on equity of 9.53% beat Park National's return on equity of 12.67%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.76 $1.8B
    PRK
    Park National
    -- $2.37 $1.4B
  • What do Analysts Say About NBTB or PRK?

    NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Park National has an analysts' consensus of $177.83 which suggests that it could grow by 13.85%. Given that NBT Bancorp has higher upside potential than Park National, analysts believe NBT Bancorp is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 2 0
    PRK
    Park National
    0 3 0
  • Is NBTB or PRK More Risky?

    NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.832%.

  • Which is a Better Dividend Stock NBTB or PRK?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Park National offers a yield of 2.72% to investors and pays a quarterly dividend of $1.07 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or PRK?

    NBT Bancorp quarterly revenues are $147.9M, which are larger than Park National quarterly revenues of $134.5M. NBT Bancorp's net income of $36M is lower than Park National's net income of $38.6M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Park National's PE ratio is 16.78x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.57x versus 4.87x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.57x 14.61x $147.9M $36M
    PRK
    Park National
    4.87x 16.78x $134.5M $38.6M
  • Which has Higher Returns NBTB or TMP?

    Tompkins Financial has a net margin of 24.35% compared to NBT Bancorp's net margin of 25.81%. NBT Bancorp's return on equity of 9.53% beat Tompkins Financial's return on equity of 10.27%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.76 $1.8B
    TMP
    Tompkins Financial
    -- $1.37 $1.5B
  • What do Analysts Say About NBTB or TMP?

    NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Tompkins Financial has an analysts' consensus of $76.50 which suggests that it could grow by 18.7%. Given that NBT Bancorp has higher upside potential than Tompkins Financial, analysts believe NBT Bancorp is more attractive than Tompkins Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 2 0
    TMP
    Tompkins Financial
    0 1 0
  • Is NBTB or TMP More Risky?

    NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.136%.

  • Which is a Better Dividend Stock NBTB or TMP?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Tompkins Financial offers a yield of 3.82% to investors and pays a quarterly dividend of $0.62 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or TMP?

    NBT Bancorp quarterly revenues are $147.9M, which are larger than Tompkins Financial quarterly revenues of $76.2M. NBT Bancorp's net income of $36M is higher than Tompkins Financial's net income of $19.7M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Tompkins Financial's PE ratio is 13.02x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.57x versus 3.12x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.57x 14.61x $147.9M $36M
    TMP
    Tompkins Financial
    3.12x 13.02x $76.2M $19.7M

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