NBT Bancorp Inc. (NBTB) is a Banks - Regional company in the Financial Services sector, currently trading at $44.89. It has a SharesGrow Score of 67/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of NBTB = $98.93 (+120.4% from the current price, the stock appears undervalued). Analyst consensus target is NBTB = $47 (+4.7% upside).
Valuation: NBTB trades at a trailing Price-to-Earnings (P/E) of 12.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.32.
Financials: revenue is $867M, +17.5%/yr average growth. Net income is $169M, growing at +5.6%/yr. Net profit margin is 19.5% (healthy). Gross margin is 72.1% (-20.6 pp trend).
Balance sheet: total debt is $327M against $1.9B equity (Debt-to-Equity (D/E) ratio 0.17, conservative). Current ratio is 1.6 (strong liquidity). Debt-to-assets is 2%. Total assets: $16.0B.
Analyst outlook: 4 / 10 analysts rate NBTB as buy (40%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 67/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 55/100 (Partial), Future 34/100 (Fail), Income 70/100 (Pass).
