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NBT BANCORP INC NBTB

Rank #1454 · Nasdaq · $2.7B market cap
Audited by KPMG LLP, no going-concern flag in the latest filing.
Score
48.0
P/E
22.9
P/B
2.31
ROE
10.1%
Op. Margin
–%
Debt Ratio
1045%

Health Check — percentile rank within this universe, based on the latest annual filing

Valuation ★★★☆☆
Good

P/E 22.9x, P/B 2.31x. Ranks in the top 36% of the universe.

Profitability ★★★☆☆
Average

ROE 10.1%. Ranks in the top 45% of the universe.

Safety ★☆☆☆☆
Poor

Debt ratio 1045%. Ranks in the top 91% of the universe. Above 200% signals meaningful leverage risk.

Growth ★☆☆☆☆
Weak

Revenue decline of 3.9% year over year. Ranks in the top 74% of the universe.

Valuation is the relative strength · Safety is the relative weakness (relative to this universe).

Financials annual, from SEC 10-K filings

FYRevenueOp. IncomeNet IncomeEquityOp. Margin%Debt%
2011––$0.1B$0.4B–1113
2012––$0.1B$0.5B–1002
2013––$0.1B$0.5B–1023
2014––$0.1B$0.5B–1270
2015––$0.1B$0.6B–1192
2016––$0.1B$0.8B–904
2017––$0.1B$0.9B–920
2018$0.1B–$0.1B$0.9B–927
2019$0.1B–$0.1B$0.9B–935
2020$0.1B–$0.1B$1.0B–897
2021$0.1B–$0.1B$1.0B–957
2022$0.1B–$0.1B$1.1B–961
2023$0.2B–$0.2B$1.2B–890
2024$0.2B–$0.2B$1.3B–950
2025$0.1B–$0.1B$1.2B–1045

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