NBT Bancorp Inc. (NBTB)
適正価値ファンダメンタル
64
株価
$50.27
時価総額
$2.61B
パート1 · 企業の価値
概要
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 2026年9月19日 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.
貸借対照表と流動性
売上高
$742M
直近12か月（2026/6/30まで）
純利益
$214M
直近12か月（2026/6/30まで）
フリーキャッシュフロー
$219M
自己資本合計
$1.90B
負債合計
$14.10B
流動比率
-
利払い倍率
0.51
負債/EBITDA
-
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$55.92
現在株価
$50.27
安全マージン
+10.1%
適正価値レンジ
$45.55 - $66.29
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
12.17
ROE
8.9%
P/B レシオ
1.34
P/FCF
10.61
粗利益率
-
ROIC
-
収益性レーダー
価値創造（経済的モート）
ROIC
-
WACC
8.8%
ROIC − WACC
-
ファンダメンタル分析基準
合格（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
不合格（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%
データなし（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
高品質：利益はキャッシュに裏付けられている
株式希薄化
新株を発行しており、所有権を希薄化している
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 | - |
監査リスク
3
取締役会リスク
5
報酬リスク
1
株主権利リスク
2
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
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