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NBTB Quote, Financials, Valuation and Earnings

Last price:
$46.41
Seasonality move :
-1.87%
Day range:
$46.09 - $46.80
52-week range:
$32.79 - $52.44
Dividend yield:
2.85%
P/E ratio:
16.33x
P/S ratio:
3.90x
P/B ratio:
1.44x
Volume:
124.9K
Avg. volume:
253.6K
1-year change:
13.4%
Market cap:
$2.2B
Revenue:
$517.8M
EPS (TTM):
$2.84

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
NBTB
NBT Bancorp
$147.1M $0.77 6.97% 18.75% $54.00
BHB
Bar Harbor Bankshares
$34.3M $0.69 -10.43% 5.39% $35.00
EVBN
Evans Bancorp
$17.3M $0.48 -46.71% -74.05% $50.05
OPHC
OptimumBank Holdings
-- -- -- -- --
PRK
Park National
$128.1M $2.24 15.8% 48.34% $181.00
TMP
Tompkins Financial
$74.1M $1.10 5.61% 4.76% $83.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
NBTB
NBT Bancorp
$46.38 $54.00 $2.2B 16.33x $0.34 2.85% 3.90x
BHB
Bar Harbor Bankshares
$30.00 $35.00 $458M 10.79x $0.30 3.93% 3.04x
EVBN
Evans Bancorp
$41.83 $50.05 $231.8M 12.56x $0.66 3.16% 2.76x
OPHC
OptimumBank Holdings
$4.60 -- $46.4M 3.48x $0.00 0% 1.09x
PRK
Park National
$170.72 $181.00 $2.8B 20.20x $1.56 2.48% 5.58x
TMP
Tompkins Financial
$66.11 $83.00 $951.6M 14.28x $0.62 3.69% 3.26x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
NBTB
NBT Bancorp
18.77% 0.989 16.86% 9.72x
BHB
Bar Harbor Bankshares
34.26% 1.362 50.9% 3.32x
EVBN
Evans Bancorp
46.15% 1.446 73.84% 48.21x
OPHC
OptimumBank Holdings
30.14% -0.024 87.47% --
PRK
Park National
19.85% 1.006 11.31% 11.28x
TMP
Tompkins Financial
42.83% 1.734 65.16% 21.55x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
NBTB
NBT Bancorp
-- -- 6.94% 9.36% 70.36% $47.8M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
OPHC
OptimumBank Holdings
-- -- 9.84% 14.69% 107.24% $3.9M
PRK
Park National
-- -- 8.97% 11.8% 57.64% $42.3M
TMP
Tompkins Financial
-- -- 5.44% 9.88% 80.01% $18.9M

NBT Bancorp vs. Competitors

  • Which has Higher Returns NBTB or BHB?

    Bar Harbor Bankshares has a net margin of 25.94% compared to NBT Bancorp's net margin of 31.58%. NBT Bancorp's return on equity of 9.36% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.80 $1.9B
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About NBTB or BHB?

    NBT Bancorp has a consensus price target of $54.00, signalling upside risk potential of 19.66%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 16.67%. Given that NBT Bancorp has higher upside potential than Bar Harbor Bankshares, analysts believe NBT Bancorp is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    1 3 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is NBTB or BHB More Risky?

    NBT Bancorp has a beta of 0.525, which suggesting that the stock is 47.492% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.076%.

  • Which is a Better Dividend Stock NBTB or BHB?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 2.85%. Bar Harbor Bankshares offers a yield of 3.93% to investors and pays a quarterly dividend of $0.30 per share. NBT Bancorp pays 47.05% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or BHB?

    NBT Bancorp quarterly revenues are $146.9M, which are larger than Bar Harbor Bankshares quarterly revenues of $38.6M. NBT Bancorp's net income of $38.1M is higher than Bar Harbor Bankshares's net income of $12.2M. Notably, NBT Bancorp's price-to-earnings ratio is 16.33x while Bar Harbor Bankshares's PE ratio is 10.79x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.90x versus 3.04x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.90x 16.33x $146.9M $38.1M
    BHB
    Bar Harbor Bankshares
    3.04x 10.79x $38.6M $12.2M
  • Which has Higher Returns NBTB or EVBN?

    Evans Bancorp has a net margin of 25.94% compared to NBT Bancorp's net margin of 16.32%. NBT Bancorp's return on equity of 9.36% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.80 $1.9B
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About NBTB or EVBN?

    NBT Bancorp has a consensus price target of $54.00, signalling upside risk potential of 19.66%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 19.65%. Given that NBT Bancorp has higher upside potential than Evans Bancorp, analysts believe NBT Bancorp is more attractive than Evans Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    1 3 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is NBTB or EVBN More Risky?

    NBT Bancorp has a beta of 0.525, which suggesting that the stock is 47.492% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

  • Which is a Better Dividend Stock NBTB or EVBN?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 2.85%. Evans Bancorp offers a yield of 3.16% to investors and pays a quarterly dividend of $0.66 per share. NBT Bancorp pays 47.05% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or EVBN?

    NBT Bancorp quarterly revenues are $146.9M, which are larger than Evans Bancorp quarterly revenues of $18M. NBT Bancorp's net income of $38.1M is higher than Evans Bancorp's net income of $2.9M. Notably, NBT Bancorp's price-to-earnings ratio is 16.33x while Evans Bancorp's PE ratio is 12.56x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.90x versus 2.76x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.90x 16.33x $146.9M $38.1M
    EVBN
    Evans Bancorp
    2.76x 12.56x $18M $2.9M
  • Which has Higher Returns NBTB or OPHC?

    OptimumBank Holdings has a net margin of 25.94% compared to NBT Bancorp's net margin of 32.77%. NBT Bancorp's return on equity of 9.36% beat OptimumBank Holdings's return on equity of 14.69%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.80 $1.9B
    OPHC
    OptimumBank Holdings
    -- $0.32 $132.7M
  • What do Analysts Say About NBTB or OPHC?

    NBT Bancorp has a consensus price target of $54.00, signalling upside risk potential of 19.66%. On the other hand OptimumBank Holdings has an analysts' consensus of -- which suggests that it could grow by 14.13%. Given that NBT Bancorp has higher upside potential than OptimumBank Holdings, analysts believe NBT Bancorp is more attractive than OptimumBank Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    1 3 0
    OPHC
    OptimumBank Holdings
    0 0 0
  • Is NBTB or OPHC More Risky?

    NBT Bancorp has a beta of 0.525, which suggesting that the stock is 47.492% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.365, suggesting its less volatile than the S&P 500 by 63.477%.

  • Which is a Better Dividend Stock NBTB or OPHC?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 2.85%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. NBT Bancorp pays 47.05% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. NBT Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or OPHC?

    NBT Bancorp quarterly revenues are $146.9M, which are larger than OptimumBank Holdings quarterly revenues of $10.1M. NBT Bancorp's net income of $38.1M is higher than OptimumBank Holdings's net income of $3.3M. Notably, NBT Bancorp's price-to-earnings ratio is 16.33x while OptimumBank Holdings's PE ratio is 3.48x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.90x versus 1.09x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.90x 16.33x $146.9M $38.1M
    OPHC
    OptimumBank Holdings
    1.09x 3.48x $10.1M $3.3M
  • Which has Higher Returns NBTB or PRK?

    Park National has a net margin of 25.94% compared to NBT Bancorp's net margin of 27.77%. NBT Bancorp's return on equity of 9.36% beat Park National's return on equity of 11.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.80 $1.9B
    PRK
    Park National
    -- $2.35 $1.5B
  • What do Analysts Say About NBTB or PRK?

    NBT Bancorp has a consensus price target of $54.00, signalling upside risk potential of 19.66%. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 6.02%. Given that NBT Bancorp has higher upside potential than Park National, analysts believe NBT Bancorp is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    1 3 0
    PRK
    Park National
    0 2 0
  • Is NBTB or PRK More Risky?

    NBT Bancorp has a beta of 0.525, which suggesting that the stock is 47.492% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

  • Which is a Better Dividend Stock NBTB or PRK?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 2.85%. Park National offers a yield of 2.48% to investors and pays a quarterly dividend of $1.56 per share. NBT Bancorp pays 47.05% of its earnings as a dividend. Park National pays out 54.41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NBTB or PRK?

    NBT Bancorp quarterly revenues are $146.9M, which are larger than Park National quarterly revenues of $137.6M. NBT Bancorp's net income of $38.1M is lower than Park National's net income of $38.2M. Notably, NBT Bancorp's price-to-earnings ratio is 16.33x while Park National's PE ratio is 20.20x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.90x versus 5.58x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.90x 16.33x $146.9M $38.1M
    PRK
    Park National
    5.58x 20.20x $137.6M $38.2M
  • Which has Higher Returns NBTB or TMP?

    Tompkins Financial has a net margin of 25.94% compared to NBT Bancorp's net margin of 24.66%. NBT Bancorp's return on equity of 9.36% beat Tompkins Financial's return on equity of 9.88%.

    Company Gross Margin Earnings Per Share Invested Capital
    NBTB
    NBT Bancorp
    -- $0.80 $1.9B
    TMP
    Tompkins Financial
    -- $1.30 $1.3B
  • What do Analysts Say About NBTB or TMP?

    NBT Bancorp has a consensus price target of $54.00, signalling upside risk potential of 19.66%. On the other hand Tompkins Financial has an analysts' consensus of $83.00 which suggests that it could grow by 25.55%. Given that Tompkins Financial has higher upside potential than NBT Bancorp, analysts believe Tompkins Financial is more attractive than NBT Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    NBTB
    NBT Bancorp
    1 3 0
    TMP
    Tompkins Financial
    0 0 0
  • Is NBTB or TMP More Risky?

    NBT Bancorp has a beta of 0.525, which suggesting that the stock is 47.492% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.471%.

  • Which is a Better Dividend Stock NBTB or TMP?

    NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 2.85%. Tompkins Financial offers a yield of 3.69% to investors and pays a quarterly dividend of $0.62 per share. NBT Bancorp pays 47.05% of its earnings as a dividend. Tompkins Financial pays out 363.09% of its earnings as a dividend. NBT Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Tompkins Financial's is not.

  • Which has Better Financial Ratios NBTB or TMP?

    NBT Bancorp quarterly revenues are $146.9M, which are larger than Tompkins Financial quarterly revenues of $75.6M. NBT Bancorp's net income of $38.1M is higher than Tompkins Financial's net income of $18.6M. Notably, NBT Bancorp's price-to-earnings ratio is 16.33x while Tompkins Financial's PE ratio is 14.28x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp is 3.90x versus 3.26x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NBTB
    NBT Bancorp
    3.90x 16.33x $146.9M $38.1M
    TMP
    Tompkins Financial
    3.26x 14.28x $75.6M $18.6M

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