Is NBT Bancorp Stock a Good Investment?
NBT Bancorp Investment Advice | NBTB |
- Examine NBT Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research NBT Bancorp's leadership team and their track record. Good management can help NBT Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact NBT Bancorp's business and its evolving consumer preferences.
- Compare NBT Bancorp's performance and market position to its competitors. Analyze how NBT Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if NBT Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about NBT Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in NBT Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if NBT Bancorp is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Modest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine NBT Bancorp Stock
Researching NBT Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 63.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.57. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. NBT Bancorp last dividend was issued on the 2nd of December 2024. The entity had 105:100 split on the 29th of November 1999.
To determine if NBT Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding NBT Bancorp's research are outlined below:
| About 63.0% of the company shares are owned by institutional investors | |
| Latest headline from thelincolnianonline.com: NBT Bancorp Reaches New 1-Year High Whats Next |
NBT Bancorp Quarterly Good Will |
|
NBT Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in NBT Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to NBT Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 22nd of April 2024 Upcoming Quarterly Report | View | |
| 29th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 28th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact NBT Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises NBT Bancorp's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
1996-01-23 | 1995-12-31 | 0.17 | 0.19 | 0.02 | 11 | ||
1997-07-07 | 1997-06-30 | 0.27 | 0.3 | 0.03 | 11 | ||
1996-10-08 | 1996-09-30 | 0.22 | 0.25 | 0.03 | 13 | ||
1996-04-22 | 1996-03-31 | 0.19 | 0.22 | 0.03 | 15 | ||
2012-10-22 | 2012-09-30 | 0.39 | 0.43 | 0.04 | 10 | ||
2002-04-22 | 2002-03-31 | 0.29 | 0.33 | 0.04 | 13 | ||
2001-04-27 | 2001-03-31 | 0.29 | 0.33 | 0.04 | 13 | ||
2001-01-23 | 2000-12-31 | 0.28 | 0.23 | -0.05 | 17 |
Know NBT Bancorp's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as NBT Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading NBT Bancorp backward and forwards among themselves. NBT Bancorp's institutional investor refers to the entity that pools money to purchase NBT Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Goldman Sachs Group Inc | 2024-06-30 | 479.7 K | Fuller & Thaler Asset Management Inc | 2024-06-30 | 406 K | American Century Companies Inc | 2024-06-30 | 389 K | Ceredex Value Advisors Llc | 2024-09-30 | 309.3 K | Nbt Bank National Association | 2024-06-30 | 286.8 K | Manufacturers Life Insurance Co | 2024-06-30 | 284.7 K | Principal Financial Group Inc | 2024-09-30 | 222.3 K | Eagle Asset Management, Inc. | 2024-06-30 | 214.9 K | Norges Bank | 2024-06-30 | 207.6 K | Blackrock Inc | 2024-06-30 | 6.8 M | Vanguard Group Inc | 2024-06-30 | 5.6 M |
NBT Bancorp's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.38 B.Market Cap |
|
NBT Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.01 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.09 |
Determining NBT Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if NBT Bancorp is a good buy. For example, gross profit margin measures NBT Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of NBT Bancorp's profitability and make more informed investment decisions.
Please note, the presentation of NBT Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, NBT Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of NBT Bancorp's management manipulating its earnings.
Evaluate NBT Bancorp's management efficiency
The current year's Return On Equity is expected to grow to 0.09, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, NBT Bancorp's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Intangible Assets is expected to grow to about 42.5 M, whereas Non Current Assets Total are forecasted to decline to about 458.8 M. NBT Bancorp's management efficiency ratios could be used to measure how well NBT Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 32.02 | 33.62 | |
| Tangible Book Value Per Share | 22.98 | 24.13 | |
| Enterprise Value Over EBITDA | 13.24 | 9.97 | |
| Price Book Value Ratio | 1.31 | 1.80 | |
| Enterprise Value Multiple | 13.24 | 9.97 | |
| Price Fair Value | 1.31 | 1.80 | |
| Enterprise Value | 643.5 M | 845.9 M |
Understanding the operational decisions made by NBT Bancorp management offers insights into its financial robustness. This evaluation is crucial for assessing the stock's investment potential.
Dividend Yield 0.0269 | Forward Dividend Yield 0.0269 | Forward Dividend Rate 1.36 | Beta 0.482 |
Basic technical analysis of NBT Stock
As of the 14th of November 2024, NBT Bancorp secures the downside deviation of 1.78, and Mean Deviation of 1.52. In respect to fundamental indicators, the technical analysis model lets you check practical technical drivers of NBT Bancorp, as well as the relationship between them.NBT Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific NBT Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on NBT Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases NBT Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
NBT Bancorp's Outstanding Corporate Bonds
NBT Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. NBT Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most NBT bonds can be classified according to their maturity, which is the date when NBT Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| NBNAUS 2625 05 MAY 31 Corp BondUS62878V2B55 | View | |
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| NBNAUS 2625 05 MAY 31 Corp BondUS62878U2B73 | View | |
| NBNAUS 145 05 MAY 26 Corp BondUS62878U2A90 | View | |
| NBNAUS 25 08 JAN 32 Corp BondUS62878U2E13 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| International Game Technology Corp BondUS460599AD57 | View |
Understand NBT Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing NBT Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0751 | |||
| Market Risk Adjusted Performance | 0.0996 | |||
| Mean Deviation | 1.52 | |||
| Semi Deviation | 1.6 | |||
| Downside Deviation | 1.78 | |||
| Coefficient Of Variation | 1115.63 | |||
| Standard Deviation | 2.36 | |||
| Variance | 5.59 | |||
| Information Ratio | 0.0241 | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | (0.25) | |||
| Sortino Ratio | 0.0321 | |||
| Treynor Ratio | 0.0896 | |||
| Maximum Drawdown | 17.43 | |||
| Value At Risk | (2.22) | |||
| Potential Upside | 3.15 | |||
| Downside Variance | 3.16 | |||
| Semi Variance | 2.56 | |||
| Expected Short fall | (1.64) | |||
| Skewness | 2.52 | |||
| Kurtosis | 12.73 |
| Risk Adjusted Performance | 0.0751 | |||
| Market Risk Adjusted Performance | 0.0996 | |||
| Mean Deviation | 1.52 | |||
| Semi Deviation | 1.6 | |||
| Downside Deviation | 1.78 | |||
| Coefficient Of Variation | 1115.63 | |||
| Standard Deviation | 2.36 | |||
| Variance | 5.59 | |||
| Information Ratio | 0.0241 | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | (0.25) | |||
| Sortino Ratio | 0.0321 | |||
| Treynor Ratio | 0.0896 | |||
| Maximum Drawdown | 17.43 | |||
| Value At Risk | (2.22) | |||
| Potential Upside | 3.15 | |||
| Downside Variance | 3.16 | |||
| Semi Variance | 2.56 | |||
| Expected Short fall | (1.64) | |||
| Skewness | 2.52 | |||
| Kurtosis | 12.73 |
Consider NBT Bancorp's intraday indicators
NBT Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of NBT Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 3914.11 | |||
| Daily Balance Of Power | (0.46) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 50.03 | |||
| Day Typical Price | 49.89 | |||
| Price Action Indicator | (0.74) | |||
| Period Momentum Indicator | (0.69) | |||
| Relative Strength Index | 59.06 |
NBT Bancorp Corporate Filings
F4 | 13th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 12th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 7th of November 2024 Other Reports | ViewVerify | |
| 5th of November 2024 Other Reports | ViewVerify |
NBT Stock media impact
Far too much social signal, news, headlines, and media speculation about NBT Bancorp that are available to investors today. That information is available publicly through NBT media outlets and privately through word of mouth or via NBT internal channels. However, regardless of the origin, that massive amount of NBT data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of NBT Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of NBT Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to NBT Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive NBT Bancorp alpha.
NBT Bancorp Corporate Management
| Amy Hurta | Senior VP | Profile | |
| Shaunastar Hyle | Executive Lending | Profile | |
| Shauna Hyle | Executive Banking | Profile | |
| Annette Burns | Senior Officer | Profile | |
| Catherine Scarlett | Chief Officer | Profile |
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate. For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.481 | Dividend Share 1.3 | Earnings Share 2.84 | Revenue Per Share 11.427 | Quarterly Revenue Growth 0.18 |
The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between NBT Bancorp's value and its price, as these two are different measures arrived at by various means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.