📊 NBTB Key Takeaways
Is Nbt Bancorp Inc. (NBTB) a Good Investment?
NBT Bancorp maintains a fortress-like balance sheet with minimal debt and positive free cash flow generation, but profitability is severely impaired. The critically low ROE of 2.7% and ROA of 0.3% represent unacceptable returns for a bank, while the 74.3% revenue decline signals major underlying business deterioration that requires clarity.
Capital and liquidity look solid with ROA ~1.1% and ROE ~8.9%, but fundamentals show mixed quality as EPS rose while revenue plunged 74% YoY. Exceptionally high margins and FCF suggest non-recurring items or accounting mix effects rather than sustainable core growth. Await normalization of earnings and stabilization of core revenue drivers before upgrading.
Nbt Bancorp Inc. Key Strengths (NBTB)
- Extremely low debt with 0.01x Debt/Equity ratio and $25M long-term debt providing fortress balance sheet
- Positive free cash flow of $48.6M with strong 26.6% FCF margin demonstrating cash generation capability
- Substantial liquidity with $716.1M in cash and equivalents for operational flexibility
- Strong capitalization and low structural leverage (D/E ~0.01x; equity/assets ~12%)
- Solid profitability metrics for a regional bank (ROA 1.1%, ROE 8.9%) with EPS growth
- Healthy cash generation and adequate interest coverage (FCF margin ~120%, 4.2x)
NBTB Stock Risks: Nbt Bancorp Inc. Investment Risks
- Critically low returns with ROE of 2.7% and ROA of 0.3% indicating severe capital deployment inefficiency
- Dramatic 74.3% year-over-year revenue collapse suggesting major client losses, portfolio contraction, or structural business problems
- Tight interest coverage of 1.3x leaving minimal margin for safety and vulnerability to rate environment changes
- Severe revenue contraction (-74% YoY) questions durability of core earnings
- Elevated margins likely reflect one-time or noncore items, risking mean reversion
- Exposure to funding cost pressures and credit cycle that could compress NIM and raise losses
Key Metrics to Watch
- Return on Equity trajectory - must improve substantially from 2.7% level to demonstrate recovery
- Net Interest Income stability and growth - critical to understand revenue decline mechanics and sustainability
- Non-performing loans and loan loss provisions - indicators of asset quality deterioration driving poor returns
- Net interest margin (NIM)
- Credit losses (net charge-offs/nonperforming loans)
Nbt Bancorp Inc. (NBTB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 26.6% 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 Profit Margin, ROE & Profitability Analysis
NBTB vs Finance Sector: How Nbt Bancorp Inc. Compares
How Nbt Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Nbt Bancorp Inc. Stock Overvalued? NBTB Valuation Analysis 2026
Based on fundamental analysis, Nbt Bancorp Inc. has mixed fundamental signals 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.
Nbt Bancorp Inc. Balance Sheet: NBTB Debt, Cash & Liquidity
NBTB Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
NBTB Quarterly Earnings & 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.
Nbt Bancorp Inc. Dividends, Buybacks & Capital Allocation
NBTB SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Grade of B from Claude (B) and ChatGPT (B) with 62% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NBTB's key strengths?
Claude: Extremely low debt with 0.01x Debt/Equity ratio and $25M long-term debt providing fortress balance sheet. Positive free cash flow of $48.6M with strong 26.6% FCF margin demonstrating cash generation capability. ChatGPT: Strong capitalization and low structural leverage (D/E ~0.01x; equity/assets ~12%). Solid profitability metrics for a regional bank (ROA 1.1%, ROE 8.9%) with EPS growth.
What are the risks of investing in NBTB?
Claude: Critically low returns with ROE of 2.7% and ROA of 0.3% indicating severe capital deployment inefficiency. Dramatic 74.3% year-over-year revenue collapse suggesting major client losses, portfolio contraction, or structural business problems. ChatGPT: Severe revenue contraction (-74% YoY) questions durability of core earnings. Elevated margins likely reflect one-time or noncore items, risking mean reversion.
What is NBTB's revenue and growth?
Nbt Bancorp Inc. reported revenue of $182.6M.
Does NBTB pay dividends?
Nbt Bancorp Inc. pays dividends, with $19.2M 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 $0.98.
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 grade reflects both perspectives for balanced insights.
What is NBTB's fundamental grade?
Based on our AI fundamental analysis in May 2026, Nbt Bancorp Inc. has a B grade with 62% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is NBTB stock overvalued or undervalued?
Valuation metrics for NBTB: ROE of 2.7% (sector avg: 12%), net margin of 28.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is NBTB's AI grade for 2026?
Our dual AI analysis gives Nbt Bancorp Inc. a combined B grade 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 $53.0M, with capital expenditures of $4.4M. FCF margin is 26.6%.
How does NBTB compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.0% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).