Financhill
Buy
71

NBTB Quote, Financials, Valuation and Earnings

Last price:
$43.39
Seasonality move :
4.6%
Day range:
$42.79 - $43.65
52-week range:
$34.47 - $52.44
Dividend yield:
3.09%
P/E ratio:
14.37x
P/S ratio:
3.50x
P/B ratio:
1.31x
Volume:
2.2M
Avg. volume:
378.8K
1-year change:
18.87%
Market cap:
$2.1B
Revenue:
$574.4M
EPS (TTM):
$3.02

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
$151M $0.74 22.44% 20.05% $50.60
BANF
BancFirst
$161.7M $1.58 6.36% 7.62% $121.00
CBU
Community Financial System
$197.1M $0.91 10.07% 9.34% $66.50
CHCO
City Holding
$73.1M $1.85 7.06% 1.19% $122.33
EGBN
Eagle Bancorp
$71.9M $0.53 -8.12% -26.87% $25.00
FBNC
First Bancorp
$105.4M $0.78 14.22% 23.81% $49.67
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
NBTB
NBT Bancorp
$43.41 $50.60 $2.1B 14.37x $0.34 3.09% 3.50x
BANF
BancFirst
$121.23 $121.00 $4B 18.34x $0.46 1.49% 6.32x
CBU
Community Financial System
$56.85 $66.50 $3B 15.75x $0.46 3.22% 3.93x
CHCO
City Holding
$117.46 $122.33 $1.7B 14.72x $0.79 2.63% 5.99x
EGBN
Eagle Bancorp
$18.50 $25.00 $558.8M 7.56x $0.17 6.65% 1.81x
FBNC
First Bancorp
$42.36 $49.67 $1.8B 20.08x $0.22 2.08% 4.87x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
NBTB
NBT Bancorp
16.66% 1.426 15.44% 22.88x
BANF
BancFirst
-- 1.094 -- 986.26x
CBU
Community Financial System
24.51% 1.762 19.82% 1.94x
CHCO
City Holding
16.55% 0.970 8.72% 5.24x
EGBN
Eagle Bancorp
31.59% 1.597 72.01% 2.86x
FBNC
First Bancorp
5.75% 1.250 5.54% 582.05x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
NBTB
NBT Bancorp
-- -- 7.69% 9.55% 61.03% $45.5M
BANF
BancFirst
-- -- 13.51% 14.13% 43.12% $2M
CBU
Community Financial System
-- -- 8.11% 10.98% 56.92% $58.5M
CHCO
City Holding
-- -- 13.56% 16.39% 80.78% $32.8M
EGBN
Eagle Bancorp
-- -- -2.42% -3.82% 156.85% $9.9M
FBNC
First Bancorp
-- -- 5.75% 6.06% 81.82% $68.2M

NBT Bancorp vs. Competitors

  • Which has Higher Returns NBTB or BANF?

    BancFirst has a net margin of 23.76% compared to NBT Bancorp's net margin of 34.04%. NBT Bancorp's return on equity of 9.55% beat BancFirst's return on equity of 14.13%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.77 $1.9B
    BANF
    BancFirst
    -- $1.67 $1.7B
  • What do Analysts Say About NBTB or BANF?

    NBT Bancorp has a consensus price target of $50.60, signalling upside risk potential of 16.56%. On the other hand BancFirst has an analysts' consensus of $121.00 which suggests that it could fall by -0.19%. Given that NBT Bancorp has higher upside potential than BancFirst, analysts believe NBT Bancorp is more attractive than BancFirst.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 3 0
    BANF
    BancFirst
    0 3 0
  • Is NBTB or BANF More Risky?

    NBT Bancorp has a beta of 0.575, which suggesting that the stock is 42.512% less volatile than S&P 500. In comparison BancFirst has a beta of 0.777, suggesting its less volatile than the S&P 500 by 22.295%.

  • Which is a Better Dividend Stock NBTB or BANF?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.09%. BancFirst offers a yield of 1.49% to investors and pays a quarterly dividend of $0.46 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. BancFirst pays out 26.7% 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 BANF?

    NBT Bancorp quarterly revenues are $154.7M, which are smaller than BancFirst quarterly revenues of $164.8M. NBT Bancorp's net income of $36.7M is lower than BancFirst's net income of $56.1M. Notably, NBT Bancorp's price-to-earnings ratio is 14.37x while BancFirst's PE ratio is 18.34x. 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 3.50x versus 6.32x for BancFirst. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.50x 14.37x $154.7M $36.7M
    BANF
    BancFirst
    6.32x 18.34x $164.8M $56.1M
  • Which has Higher Returns NBTB or CBU?

    Community Financial System has a net margin of 23.76% compared to NBT Bancorp's net margin of 25.28%. NBT Bancorp's return on equity of 9.55% beat Community Financial System's return on equity of 10.98%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.77 $1.9B
    CBU
    Community Financial System
    -- $0.93 $2.4B
  • What do Analysts Say About NBTB or CBU?

    NBT Bancorp has a consensus price target of $50.60, signalling upside risk potential of 16.56%. On the other hand Community Financial System has an analysts' consensus of $66.50 which suggests that it could grow by 16.98%. Given that Community Financial System has higher upside potential than NBT Bancorp, analysts believe Community Financial System is more attractive than NBT Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 3 0
    CBU
    Community Financial System
    2 4 0
  • Is NBTB or CBU More Risky?

    NBT Bancorp has a beta of 0.575, which suggesting that the stock is 42.512% less volatile than S&P 500. In comparison Community Financial System has a beta of 0.771, suggesting its less volatile than the S&P 500 by 22.921%.

  • Which is a Better Dividend Stock NBTB or CBU?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.09%. Community Financial System offers a yield of 3.22% to investors and pays a quarterly dividend of $0.46 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Community Financial System pays out 52.49% 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 CBU?

    NBT Bancorp quarterly revenues are $154.7M, which are smaller than Community Financial System quarterly revenues of $196.2M. NBT Bancorp's net income of $36.7M is lower than Community Financial System's net income of $49.6M. Notably, NBT Bancorp's price-to-earnings ratio is 14.37x while Community Financial System's PE ratio is 15.75x. 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 3.50x versus 3.93x for Community Financial System. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.50x 14.37x $154.7M $36.7M
    CBU
    Community Financial System
    3.93x 15.75x $196.2M $49.6M
  • Which has Higher Returns NBTB or CHCO?

    City Holding has a net margin of 23.76% compared to NBT Bancorp's net margin of 41.91%. NBT Bancorp's return on equity of 9.55% beat City Holding's return on equity of 16.39%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.77 $1.9B
    CHCO
    City Holding
    -- $2.06 $906.3M
  • What do Analysts Say About NBTB or CHCO?

    NBT Bancorp has a consensus price target of $50.60, signalling upside risk potential of 16.56%. On the other hand City Holding has an analysts' consensus of $122.33 which suggests that it could grow by 4.15%. Given that NBT Bancorp has higher upside potential than City Holding, analysts believe NBT Bancorp is more attractive than City Holding.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 3 0
    CHCO
    City Holding
    0 6 0
  • Is NBTB or CHCO More Risky?

    NBT Bancorp has a beta of 0.575, which suggesting that the stock is 42.512% less volatile than S&P 500. In comparison City Holding has a beta of 0.521, suggesting its less volatile than the S&P 500 by 47.932%.

  • Which is a Better Dividend Stock NBTB or CHCO?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.09%. City Holding offers a yield of 2.63% to investors and pays a quarterly dividend of $0.79 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. City Holding pays out 37.13% 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 CHCO?

    NBT Bancorp quarterly revenues are $154.7M, which are larger than City Holding quarterly revenues of $72.4M. NBT Bancorp's net income of $36.7M is higher than City Holding's net income of $30.3M. Notably, NBT Bancorp's price-to-earnings ratio is 14.37x while City Holding's PE ratio is 14.72x. 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 3.50x versus 5.99x for City Holding. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.50x 14.37x $154.7M $36.7M
    CHCO
    City Holding
    5.99x 14.72x $72.4M $30.3M
  • Which has Higher Returns NBTB or EGBN?

    Eagle Bancorp has a net margin of 23.76% compared to NBT Bancorp's net margin of 20.43%. NBT Bancorp's return on equity of 9.55% beat Eagle Bancorp's return on equity of -3.82%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.77 $1.9B
    EGBN
    Eagle Bancorp
    -- $0.50 $1.8B
  • What do Analysts Say About NBTB or EGBN?

    NBT Bancorp has a consensus price target of $50.60, signalling upside risk potential of 16.56%. On the other hand Eagle Bancorp has an analysts' consensus of $25.00 which suggests that it could grow by 35.14%. Given that Eagle Bancorp has higher upside potential than NBT Bancorp, analysts believe Eagle Bancorp is more attractive than NBT Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    3 3 0
    EGBN
    Eagle Bancorp
    0 3 0
  • Is NBTB or EGBN More Risky?

    NBT Bancorp has a beta of 0.575, which suggesting that the stock is 42.512% less volatile than S&P 500. In comparison Eagle Bancorp has a beta of 1.023, suggesting its more volatile than the S&P 500 by 2.335%.

  • Which is a Better Dividend Stock NBTB or EGBN?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.09%. Eagle Bancorp offers a yield of 6.65% to investors and pays a quarterly dividend of $0.17 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Eagle Bancorp pays out -96.99% 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 EGBN?

    NBT Bancorp quarterly revenues are $154.7M, which are larger than Eagle Bancorp quarterly revenues of $74.9M. NBT Bancorp's net income of $36.7M is higher than Eagle Bancorp's net income of $15.3M. Notably, NBT Bancorp's price-to-earnings ratio is 14.37x while Eagle Bancorp'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 is 3.50x versus 1.81x for Eagle 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
    3.50x 14.37x $154.7M $36.7M
    EGBN
    Eagle Bancorp
    1.81x 7.56x $74.9M $15.3M
  • Which has Higher Returns NBTB or FBNC?

    First Bancorp has a net margin of 23.76% compared to NBT Bancorp's net margin of 34.42%. NBT Bancorp's return on equity of 9.55% beat First Bancorp's return on equity of 6.06%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.77 $1.9B
    FBNC
    First Bancorp
    -- $0.88 $1.6B
  • What do Analysts Say About NBTB or FBNC?

    NBT Bancorp has a consensus price target of $50.60, signalling upside risk potential of 16.56%. On the other hand First Bancorp has an analysts' consensus of $49.67 which suggests that it could grow by 17.25%. Given that First Bancorp has higher upside potential than NBT Bancorp, analysts believe First Bancorp is more attractive than NBT Bancorp.

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

    NBT Bancorp has a beta of 0.575, which suggesting that the stock is 42.512% less volatile than S&P 500. In comparison First Bancorp has a beta of 0.854, suggesting its less volatile than the S&P 500 by 14.557%.

  • Which is a Better Dividend Stock NBTB or FBNC?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.09%. First Bancorp offers a yield of 2.08% to investors and pays a quarterly dividend of $0.22 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. First Bancorp pays out 47.56% 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 FBNC?

    NBT Bancorp quarterly revenues are $154.7M, which are larger than First Bancorp quarterly revenues of $105.8M. NBT Bancorp's net income of $36.7M is higher than First Bancorp's net income of $36.4M. Notably, NBT Bancorp's price-to-earnings ratio is 14.37x while First Bancorp's PE ratio is 20.08x. 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 3.50x versus 4.87x for First 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
    3.50x 14.37x $154.7M $36.7M
    FBNC
    First Bancorp
    4.87x 20.08x $105.8M $36.4M

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