NBT Bancorp, Inc. (NBTB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

UMB Financial Corp.

Associated Banc-Corp

Axos Financial, Inc.

Texas Capital Bancshares, Inc.

NBT Bancorp, Inc.

Fulton Financial Corp.

WaFd, Inc.

Park National Corp.

First Merchants Corp. (Indiana)

Community Bank System, Inc.

Simmons First National Corp.

Why is NBT Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 8.13%

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

NII(Q) Highest at USD 135.44 MM
ROCE(HY) Highest at 1.14%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.92%, it has a attractive valuation with a 1.28 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -6.15%, its profits have risen by 29.5% ; the PEG ratio of the company is 0.8

High Institutional Holdings at 65.96%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Below par performance in long term as well as near term

Along with generating -6.15% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to NBT Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is NBT Bancorp, Inc. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

NBT Bancorp, Inc.

-6.15%

0.59

27.19%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.34%

EBIT Growth (5y)

8.47%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

42.64%

Pledged Shares

Institutional Holding

65.96%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.28

EV to EBIT

10.52

EV to EBITDA

9.29

EV to Capital Employed

1.31

EV to Sales

3.12

PEG Ratio

0.79

Dividend Yield

353.31%

ROCE (Latest)

12.49%

ROE (Latest)

9.68%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

NII(Q)

Highest at USD 135.44 MM

ROCE(HY)

Highest at 1.14%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET PROFIT(Q)

Highest at USD 55.51 MM

EPS(Q)

Highest at USD 1.06

-4What is not working for the Company

ROCE(HY)

Lowest at 1.14%

CREDIT DEPOSIT RATIO(HY)

Lowest at 85.92%

Here's what is working for NBT Bancorp, Inc.

NII

Highest at USD 135.44 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Profit

Highest at USD 55.51 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 55.51 MM has Grown at 50.9%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.06

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for NBT Bancorp, Inc.

Credit Deposit Ratio

Lowest at 85.92% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)