NBT Bancorp Inc. (NBTB)
合理估值基本面
64
价格
$50.27
市值
$2.61B
第一部分 · 这家公司值多少
概览
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.
资产负债表与流动性
营收
$742M
最近12个月（截至2026/6/30）
净利润
$214M
最近12个月（截至2026/6/30）
自由现金流
$219M
股东权益合计
$1.90B
负债合计
$14.10B
流动比率
-
利息覆盖率
0.51
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$55.92
当前价格
$50.27
安全边际
+10.1%
公允价值区间
$45.55 - $66.29
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
12.17
ROE
8.9%
市净率（P/B）
1.34
P/FCF
10.61
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
8.8%
ROIC − WACC
-
基本面分析标准
通过（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
未通过（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%
不可用（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在发行新股，稀释所有权
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 | - |
审计风险
3
董事会风险
5
薪酬风险
1
股东权利风险
2
第二部分 · 价格与买入时机
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损益历史
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