SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
NBT Bancorp Inc. (NBTB) trades at a trailing P/E of 12.5, forward P/E of 10.8. Trailing earnings yield is 7.99%, forward earnings yield 9.28%. PEG 1.00 (Peter Lynch undervalued ≤1.0). Graham Number is $57.04.
Criteria proven by this page:
- VALUE (67/100, Pass) — P/E is below market average (12.5); PEG ≤ 1.0 — Peter Lynch undervalued (1.00); earnings yield beats bond yields (7.99%).
- Forward P/E 10.8 (down from trailing 12.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 1.00 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 7.99% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 9.28% as earnings recover.
- Analyst consensus target $47.00 (+4% upside) — modest upside expected.
Overall SharesGrow Score: 67/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
67/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — NBTB
Valuation Multiples
P/E (TTM)12.5
Forward P/E10.8
PEG Ratio1.00
Forward PEG0.42
P/B Ratio1.12
P/S Ratio2.60
EV/EBITDA9.8
Per Share Data
EPS (TTM)$3.59
Forward EPS (Est.)$4.19
Book Value / Share$40.25
Revenue / Share$19.15
FCF / Share$4.78
Yields & Fair Value
Earnings Yield7.99%
Forward Earnings Yield9.28%
Dividend Yield3.23%
Graham Number$57.04
SharesGrow IV$98.93 (+118.9%)
Analyst Target$47.00 (+4%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
23.1 |
5.75 |
1.99 |
4.54 |
2.14% |
| 2017 |
19.5 |
4.41 |
1.67 |
3.76 |
2.51% |
| 2018 |
13.4 |
0.37 |
1.48 |
3.25 |
2.87% |
| 2019 |
14.7 |
2.10 |
1.59 |
3.50 |
2.59% |
| 2020 |
13.4 |
-1.00 |
1.18 |
2.85 |
3.37% |
| 2021 |
10.8 |
0.22 |
1.34 |
3.38 |
2.85% |
| 2022 |
12.3 |
-14.59 |
1.59 |
3.47 |
2.67% |
| 2023 |
15.7 |
-0.64 |
1.31 |
2.81 |
3.00% |
| 2024 |
16.0 |
1.38 |
1.48 |
2.87 |
2.76% |
| 2025 |
11.6 |
0.96 |
1.03 |
2.25 |
3.71% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.80 |
$399.2M |
$78.41M |
19.6% |
| 2017 |
$1.87 |
$425.13M |
$82.15M |
19.3% |
| 2018 |
$2.56 |
$464.8M |
$112.57M |
24.2% |
| 2019 |
$2.74 |
$507.4M |
$121.02M |
23.9% |
| 2020 |
$2.37 |
$491.26M |
$104.39M |
21.2% |
| 2021 |
$3.54 |
$494.76M |
$154.89M |
31.3% |
| 2022 |
$3.52 |
$537M |
$152M |
28.3% |
| 2023 |
$2.65 |
$662.35M |
$118.78M |
17.9% |
| 2024 |
$2.96 |
$785.99M |
$140.64M |
17.9% |
| 2025 |
$3.33 |
$867.43M |
$169.24M |
19.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$4.19 |
$4.07 – $4.29 |
$762.66M |
$756.82M – $768.34M |
6 |
| 2027 |
$4.58 |
$4.39 – $4.73 |
$805.13M |
$794.51M – $810.58M |
6 |
