NBT Bancorp Inc. (NBTB)
Valor JustoFundamental
64
Precio
$50.16
Capitalización Bursátil
$2.61B
Parte 1 · Cuánto vale la empresa
Resumen
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 19 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
The dominant commercial bank in upstate New York and New England, it takes on NBT directly for middle-market lending, commercial real estate and branch deposits, with a far larger balance sheet and advertising budget.
The closest match to NBT: a Syracuse-based community bank holding company with branches across the same upstate New York and northeastern Pennsylvania towns, and the same mix of retail and commercial banking plus wealth management, insurance and employee-benefit services.
Ithaca-based community bank serving the Finger Lakes, Hudson Valley and southeastern Pennsylvania — largely NBT's own footprint — with the same local-decision-making pitch to small businesses and the same trust and wealth-advisory business.
Competes branch-for-branch with NBT in northeastern New York — Glens Falls, Saratoga County, the Capital Region and the North Country — for household deposits, small-business loans and municipal banking relationships.
Its Five Star Bank subsidiary chases the same consumer, small-business and municipal customers across western and central New York, where NBT also lends and gathers deposits.
Schenectady-based bank competing with NBT for residential mortgages and retail deposits in New York's Capital Region and Hudson Valley.
Balance y Liquidez
Ingresos
$742M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$214M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$219M
Patrimonio Neto Total
$1.90B
Pasivo Total
$14.10B
Ratio de Liquidez
-
Cobertura de Intereses
0.51
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$55.92
Precio Actual
$50.16
Margen de Seguridad
+10.3%
Rango de Valor Justo
$45.55 - $66.29
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
12.17
ROE
8.9%
Ratio P/B
1.34
P/FCF
10.61
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
8.8%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (14)
- EPS shows upward trend
- P/FCF 10.61
- P/B Ratio 1.34
- Operating Margin 37.4%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 11.3%
- Analyst Consensus 54% Buy
- PEG Ratio 1.74
- Earnings Quality (OCF/NI) 1.22
- Net Margin Trend 28.8% vs 21.4%
- Piotroski F-Score 6/9
Fallido (9)
- EPS CAGR 3.69%
- Price CAGR 1.89%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Revenue Growth 5Y 4.4%
- Earnings Surprise avg 1.1%
- Share Dilution 7.3%
No disponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Emitiendo nuevas acciones, diluyendo la participación
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Scott A. Kingsley CPA | President, CEO & Director | 60 |
| Ms. Annette L. Burns | Executive VP & CFO | 52 |
| Mr. Joseph R. Stagliano | Senior Executive Vice President | 56 |
| Ms. Amy C. Wiles | Strategic Advisor | 66 |
| Ms. Ruth Halley Mahoney | Executive VP & President of Wealth Management | 57 |
| Amy S. Hurta | Senior VP & Senior Director of Operations | - |
| Mr. Kenneth J. Entenmann C.F.A. | Senior VP, Chief Investment Officer & Chief Economist | - |
| Mr. Martin Randolph Sparks | Executive VP, General Counsel, Chief Ethics Officer & Corporate Secretary | 66 |
| Ms. Florence R. Doller | Senior VP & Director of Corporate Communications | - |
| Ms. Cynthia A. Smaniotto | Executive VP & Chief Human Resources Officer | - |
Riesgo de Auditoría
3
Riesgo del Consejo
5
Riesgo de Compensación
1
Riesgo de Derechos del Accionista
2
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-27
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-07
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-21
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for NBTB, sourced from Markets Gazette.
- 4/24/2026NEUTRALFull Transcript: NBT Bancorp Q1 2026 Earnings Call
NBT Bancorp has released the full transcript of its Q1 2026 Earnings Call, dated April 24, 2026. The transcript provides detailed insights into the company's financial performance, strategic initiatives, and outlook for the upcoming quarters. Investors and analysts can review the discussions on revenue streams, operational efficiency, market positioning, and management's forward-looking statements. While the transcript itself is informational, it allows for a deeper understanding of the company's trajectory and potential future developments without immediate price-moving news.
via Markets Gazette