ScoreWhy is NBT Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 5.65%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 190.31 MM
- NII(Q) Highest at USD 124.22 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 76.71%
3
With ROA of 0.84%, it has a fair valuation with a 1.57 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 -16.94%, its profits have risen by 12.2% ; the PEG ratio of the company is 1.4
4
High Institutional Holdings at 68.81%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- 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.
-14.69%
0.76
27.48%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.42%
EBIT Growth (5y)
6.51%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
44.52%
Pledged Shares
0
Institutional Holding
68.81%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.57
EV to EBIT
14.86
EV to EBITDA
12.65
EV to Capital Employed
1.60
EV to Sales
3.80
PEG Ratio
1.40
Dividend Yield
261.27%
ROCE (Latest)
10.78%
ROE (Latest)
9.31%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 190.31 MM
NII(Q)
Highest at USD 124.22 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 76.71%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 481.48 MM
NET SALES(Q)
Highest at USD 177.58 MM
-3What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 86.01%
OPERATING PROFIT MARGIN(Q)
Lowest at 26.9 %
EPS(Q)
Lowest at USD 0.44
Here's what is working for NBT Bancorp, Inc.
NII
Highest at USD 124.22 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 190.31 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 76.71% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Net Sales
Highest at USD 177.58 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 481.48 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 8.41 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for NBT Bancorp, Inc.
Operating Profit Margin
Lowest at 26.9 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
EPS
Lowest at USD 0.44
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 86.01%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 11.37%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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