📊 NBTB Key Takeaways
Is NBTB a Good Investment? Thesis Analysis
NBT Bancorp demonstrates solid balance sheet strength with conservative leverage (0.01x debt/equity) and robust free cash flow generation ($218.9M). However, a dramatic 74.3% revenue decline combined with mathematically inconsistent margin ratios (operating margin >100%, net margin 92.5%) creates substantial data quality concerns that prevent reliable assessment of fundamental profitability trends and earnings sustainability.
Why Buy NBTB? Key Strengths
- Strong free cash flow generation of $218.9M with positive operating cash flow of $235.2M
- Highly conservative balance sheet with debt/equity of 0.01x and $487.1M in cash equivalents
- Positive EPS growth of 12.1% YoY despite revenue challenges
NBTB Investment Risks to Consider
- Unexplained 74.3% year-over-year revenue decline suggests severe operational contraction or portfolio restructuring
- Impossible financial ratios (>100% operating margin, 92.5% net margin) indicate significant data quality or accounting anomalies requiring investigation
- Moderate ROA of 1.1% and ROE of 8.9% suggest below-average profitability for banking sector
Key Metrics to Watch
- Reconciliation of revenue decline and clarification of operating income calculation to validate margin ratios
- Quarterly revenue trends to determine if 74.3% decline is temporary or structural
- Interest coverage ratio sustainability and deposit/loan portfolio composition
NBTB Financial Metrics
💡 AI Analyst Insight
The 119.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
NBTB Profitability Ratios
NBTB vs Finance Sector
How NBT BANCORP INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NBTB Overvalued or Undervalued?
Based on fundamental analysis, NBT BANCORP INC appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
NBTB Balance Sheet & Liquidity
NBTB 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: NBT BANCORP INC's revenue has grown significantly by 21% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.65 reflects profitable operations.
NBTB Growth Metrics (YoY)
NBTB Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2018 | $29.5M | $22.9M | $0.52 |
| Q2 2018 | $29.1M | $21.4M | $0.49 |
| Q1 2018 | $27.3M | $15.3M | $0.46 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
NBTB Capital Allocation
NBTB SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for NBT BANCORP INC (CIK: 0000790359)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NBTB
What is the AI rating for NBTB?
NBT BANCORP INC (NBTB) has an AI rating of HOLD with 38% confidence, based on fundamental analysis of SEC EDGAR filings.
What are NBTB's key strengths?
Claude: Strong free cash flow generation of $218.9M with positive operating cash flow of $235.2M. Highly conservative balance sheet with debt/equity of 0.01x and $487.1M in cash equivalents.
What are the risks of investing in NBTB?
Claude: Unexplained 74.3% year-over-year revenue decline suggests severe operational contraction or portfolio restructuring. Impossible financial ratios (>100% operating margin, 92.5% net margin) indicate significant data quality or accounting anomalies requiring investigation.
What is NBTB's revenue and growth?
NBT BANCORP INC reported revenue of $183.0M.
Does NBTB pay dividends?
NBT BANCORP INC pays dividends, with $72.6M distributed to shareholders in the trailing twelve months.
Where can I find NBTB SEC filings?
Official SEC filings for NBT BANCORP INC (CIK: 0000790359) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NBTB's EPS?
NBT BANCORP INC has a diluted EPS of $3.33.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NBTB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, NBT BANCORP INC has a HOLD rating with 38% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NBTB stock overvalued or undervalued?
Valuation metrics for NBTB: ROE of 8.9% (sector avg: 12%), net margin of 92.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy NBTB stock in 2026?
Our dual AI analysis gives NBT BANCORP INC a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is NBTB's free cash flow?
NBT BANCORP INC's operating cash flow is $235.2M, with capital expenditures of $16.3M. FCF margin is 119.7%.
How does NBTB compare to other Finance stocks?
Vs Finance sector averages: Net margin 92.5% (avg: 25%), ROE 8.9% (avg: 12%), current ratio N/A (avg: 1.2).