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NBTB Quote, Financials, Valuation and Earnings

Last price:
$43.29
Seasonality move :
-2.07%
Day range:
$42.04 - $42.68
52-week range:
$37.31 - $49.18
Dividend yield:
3.33%
P/E ratio:
14.15x
P/S ratio:
2.43x
P/B ratio:
1.20x
Volume:
158.4K
Avg. volume:
237.7K
1-year change:
-8.9%
Market cap:
$2.2B
Revenue:
$788.4M
EPS (TTM):
$3.01

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, Inc.
$183.6M $0.99 -8.24% 29.96% $48.20
COLB
Columbia Banking System, Inc.
$693.5M $0.71 -4.56% 4.7% $30.50
CZNC
Citizens & Northern Corp.
$35.4M $0.58 -13.4% 10.48% $22.50
EGBN
Eagle Bancorp, Inc. (Maryland)
$67.8M -$0.01 -60.68% -77.2% $21.88
TOWN
TowneBank
$225.4M $0.71 -11.22% 29.59% $40.50
WABC
Westamerica Bancorporation
$61.9M $1.07 -15.25% -10.29% $53.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
NBTB
NBT Bancorp, Inc.
$42.59 $48.20 $2.2B 14.15x $0.37 3.33% 2.43x
COLB
Columbia Banking System, Inc.
$28.90 $30.50 $8.6B 13.00x $0.37 5.02% 2.10x
CZNC
Citizens & Northern Corp.
$20.02 $22.50 $356.4M 11.45x $0.28 5.59% 1.91x
EGBN
Eagle Bancorp, Inc. (Maryland)
$20.91 $21.88 $635.1M 7.56x $0.01 2.42% 0.99x
TOWN
TowneBank
$34.08 $40.50 $2.7B 15.19x $0.27 3.11% 2.39x
WABC
Westamerica Bancorporation
$48.01 $53.00 $1.2B 10.46x $0.46 3.79% 4.51x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
NBTB
NBT Bancorp, Inc.
14.7% 0.436 14.58% 0.00x
COLB
Columbia Banking System, Inc.
28.29% 0.974 39.91% 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.493 56.63% 0.00x
EGBN
Eagle Bancorp, Inc. (Maryland)
10.11% 1.104 20.58% 0.00x
TOWN
TowneBank
12.83% 0.536 13.24% 0.00x
WABC
Westamerica Bancorporation
14.35% 0.211 12.44% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
NBTB
NBT Bancorp, Inc.
-- $73M 7.33% 9.05% 52.8% $74.3M
COLB
Columbia Banking System, Inc.
-- $206M 5.04% 8.32% 43.38% $227.9M
CZNC
Citizens & Northern Corp.
-- $8.9M 5.6% 9.51% 47.39% $8.5M
EGBN
Eagle Bancorp, Inc. (Maryland)
-- -$84.4M -6.73% -10.02% -1.63% $15.8M
TOWN
TowneBank
-- $64.5M 6.58% 7.6% 41.12% -$42.5M
WABC
Westamerica Bancorporation
-- $37.9M 11.38% 13.12% 61.71% $28.6M

NBT Bancorp, Inc. vs. Competitors

  • Which has Higher Returns NBTB or COLB?

    Columbia Banking System, Inc. has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 11.77%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Columbia Banking System, Inc.'s return on equity of 8.32%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp, Inc.
    -- $1.03 $2.2B
    COLB
    Columbia Banking System, Inc.
    -- $0.40 $10.9B
  • What do Analysts Say About NBTB or COLB?

    NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 13.17%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $30.50 which suggests that it could grow by 5.54%. Given that NBT Bancorp, Inc. has higher upside potential than Columbia Banking System, Inc., analysts believe NBT Bancorp, Inc. is more attractive than Columbia Banking System, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp, Inc.
    2 3 0
    COLB
    Columbia Banking System, Inc.
    2 9 0
  • Is NBTB or COLB More Risky?

    NBT Bancorp, Inc. has a beta of 0.501, which suggesting that the stock is 49.888% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.597, suggesting its less volatile than the S&P 500 by 40.325%.

  • Which is a Better Dividend Stock NBTB or COLB?

    NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Columbia Banking System, Inc. offers a yield of 5.02% to investors and pays a quarterly dividend of $0.37 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Columbia Banking System, Inc. pays out 56.48% 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 COLB?

    NBT Bancorp, Inc. quarterly revenues are $241.7M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. NBT Bancorp, Inc.'s net income of $54.5M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.15x while Columbia Banking System, Inc.'s PE ratio is 13.00x. 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, Inc. is 2.43x versus 2.10x for Columbia Banking System, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp, Inc.
    2.43x 14.15x $241.7M $54.5M
    COLB
    Columbia Banking System, Inc.
    2.10x 13.00x $816M $96M
  • Which has Higher Returns NBTB or CZNC?

    Citizens & Northern Corp. has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 15.87%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Citizens & Northern Corp.'s return on equity of 9.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp, Inc.
    -- $1.03 $2.2B
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About NBTB or CZNC?

    NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 13.17%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 12.39%. Given that NBT Bancorp, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe NBT Bancorp, Inc. is more attractive than Citizens & Northern Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp, Inc.
    2 3 0
    CZNC
    Citizens & Northern Corp.
    0 1 0
  • Is NBTB or CZNC More Risky?

    NBT Bancorp, Inc. has a beta of 0.501, which suggesting that the stock is 49.888% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.555, suggesting its less volatile than the S&P 500 by 44.5%.

  • Which is a Better Dividend Stock NBTB or CZNC?

    NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Citizens & Northern Corp. offers a yield of 5.59% to investors and pays a quarterly dividend of $0.28 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% 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 CZNC?

    NBT Bancorp, Inc. quarterly revenues are $241.7M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. NBT Bancorp, Inc.'s net income of $54.5M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.15x while Citizens & Northern Corp.'s PE ratio is 11.45x. 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, Inc. is 2.43x versus 1.91x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp, Inc.
    2.43x 14.15x $241.7M $54.5M
    CZNC
    Citizens & Northern Corp.
    1.91x 11.45x $40.9M $6.5M
  • Which has Higher Returns NBTB or EGBN?

    Eagle Bancorp, Inc. (Maryland) has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of -44.32%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Eagle Bancorp, Inc. (Maryland)'s return on equity of -10.02%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp, Inc.
    -- $1.03 $2.2B
    EGBN
    Eagle Bancorp, Inc. (Maryland)
    -- -$2.22 $1.2B
  • What do Analysts Say About NBTB or EGBN?

    NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 13.17%. On the other hand Eagle Bancorp, Inc. (Maryland) has an analysts' consensus of $21.88 which suggests that it could grow by 4.62%. Given that NBT Bancorp, Inc. has higher upside potential than Eagle Bancorp, Inc. (Maryland), analysts believe NBT Bancorp, Inc. is more attractive than Eagle Bancorp, Inc. (Maryland).

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp, Inc.
    2 3 0
    EGBN
    Eagle Bancorp, Inc. (Maryland)
    1 3 0
  • Is NBTB or EGBN More Risky?

    NBT Bancorp, Inc. has a beta of 0.501, which suggesting that the stock is 49.888% less volatile than S&P 500. In comparison Eagle Bancorp, Inc. (Maryland) has a beta of 1.026, suggesting its more volatile than the S&P 500 by 2.611%.

  • Which is a Better Dividend Stock NBTB or EGBN?

    NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Eagle Bancorp, Inc. (Maryland) offers a yield of 2.42% to investors and pays a quarterly dividend of $0.01 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Eagle Bancorp, Inc. (Maryland) pays out 96.99% 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 EGBN?

    NBT Bancorp, Inc. quarterly revenues are $241.7M, which are larger than Eagle Bancorp, Inc. (Maryland) quarterly revenues of $152.3M. NBT Bancorp, Inc.'s net income of $54.5M is higher than Eagle Bancorp, Inc. (Maryland)'s net income of -$67.5M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.15x while Eagle Bancorp, Inc. (Maryland)'s PE ratio is 7.56x. 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, Inc. is 2.43x versus 0.99x for Eagle Bancorp, Inc. (Maryland). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp, Inc.
    2.43x 14.15x $241.7M $54.5M
    EGBN
    Eagle Bancorp, Inc. (Maryland)
    0.99x 7.56x $152.3M -$67.5M
  • Which has Higher Returns NBTB or TOWN?

    TowneBank has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 13.69%. NBT Bancorp, Inc.'s return on equity of 9.05% beat TowneBank's return on equity of 7.6%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp, Inc.
    -- $1.03 $2.2B
    TOWN
    TowneBank
    -- $0.51 $2.8B
  • What do Analysts Say About NBTB or TOWN?

    NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 13.17%. On the other hand TowneBank has an analysts' consensus of $40.50 which suggests that it could grow by 18.84%. Given that TowneBank has higher upside potential than NBT Bancorp, Inc., analysts believe TowneBank is more attractive than NBT Bancorp, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp, Inc.
    2 3 0
    TOWN
    TowneBank
    1 1 0
  • Is NBTB or TOWN More Risky?

    NBT Bancorp, Inc. has a beta of 0.501, which suggesting that the stock is 49.888% less volatile than S&P 500. In comparison TowneBank has a beta of 0.775, suggesting its less volatile than the S&P 500 by 22.483%.

  • Which is a Better Dividend Stock NBTB or TOWN?

    NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. TowneBank offers a yield of 3.11% to investors and pays a quarterly dividend of $0.27 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. TowneBank pays out 46.47% 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 TOWN?

    NBT Bancorp, Inc. quarterly revenues are $241.7M, which are smaller than TowneBank quarterly revenues of $287.1M. NBT Bancorp, Inc.'s net income of $54.5M is higher than TowneBank's net income of $39.3M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.15x while TowneBank's PE ratio is 15.19x. 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, Inc. is 2.43x versus 2.39x for TowneBank. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp, Inc.
    2.43x 14.15x $241.7M $54.5M
    TOWN
    TowneBank
    2.39x 15.19x $287.1M $39.3M
  • Which has Higher Returns NBTB or WABC?

    Westamerica Bancorporation has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 41.94%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Westamerica Bancorporation's return on equity of 13.12%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp, Inc.
    -- $1.03 $2.2B
    WABC
    Westamerica Bancorporation
    -- $1.12 $1.1B
  • What do Analysts Say About NBTB or WABC?

    NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 13.17%. On the other hand Westamerica Bancorporation has an analysts' consensus of $53.00 which suggests that it could grow by 10.39%. Given that NBT Bancorp, Inc. has higher upside potential than Westamerica Bancorporation, analysts believe NBT Bancorp, Inc. is more attractive than Westamerica Bancorporation.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp, Inc.
    2 3 0
    WABC
    Westamerica Bancorporation
    0 2 0
  • Is NBTB or WABC More Risky?

    NBT Bancorp, Inc. has a beta of 0.501, which suggesting that the stock is 49.888% less volatile than S&P 500. In comparison Westamerica Bancorporation has a beta of 0.616, suggesting its less volatile than the S&P 500 by 38.38%.

  • Which is a Better Dividend Stock NBTB or WABC?

    NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Westamerica Bancorporation offers a yield of 3.79% to investors and pays a quarterly dividend of $0.46 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Westamerica Bancorporation pays out 33.88% 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 WABC?

    NBT Bancorp, Inc. quarterly revenues are $241.7M, which are larger than Westamerica Bancorporation quarterly revenues of $67.4M. NBT Bancorp, Inc.'s net income of $54.5M is higher than Westamerica Bancorporation's net income of $28.3M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.15x while Westamerica Bancorporation's PE ratio is 10.46x. 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, Inc. is 2.43x versus 4.51x for Westamerica Bancorporation. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp, Inc.
    2.43x 14.15x $241.7M $54.5M
    WABC
    Westamerica Bancorporation
    4.51x 10.46x $67.4M $28.3M

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