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About the company
NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services companies. The Bank provides a range of financial products to individuals, corporations and municipalities throughout upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine and central and northwestern Connecticut. Through its network of branch locations, the Bank offers a range of products and services tailored to individuals, businesses and municipalities. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal (NOW) accounts, and certificate of deposit (CD) accounts. It operates EPIC Advisors, Inc., which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service insurance agency. The Bank has approximately 153 branch locations.
- Revenue in USD (TTM)522.79m
- Net income in USD118.78m
- Incorporated1986
- Employees2.03k
- LocationNBT Bancorp Inc52 S BROAD STNORWICH 13815United StatesUSA
- Phone+1 (607) 337-2265
- Fax+1 (302) 636-5454
- Websitehttp://www.nbtbancorp.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Heartland Financial USA Inc | 953.80m | 71.87m | 1.43bn | 1.97k | 19.93 | 0.7842 | 15.53 | 2.47 | 1.68 | 1.68 | 13.57 | 45.28 | -- | -- | -- | -- | 0.4031 | 0.9287 | -- | -- | -- | -- | 13.77 | 25.30 | -- | -- | -- | 24.93 | 41.38 | 15.41 | -64.79 | -9.28 | -11.14 | 17.32 |
| Bank of NT Butterfield & Son Ltd | 545.63m | 225.49m | 1.45bn | 1.26k | 6.67 | 1.44 | 5.53 | 2.48 | 4.57 | 4.57 | 11.83 | 21.12 | -- | -- | -- | -- | 1.63 | 1.32 | -- | -- | -- | -- | 38.67 | 34.75 | -- | -- | -- | 47.86 | 36.96 | 8.22 | 5.36 | 2.93 | 22.30 | 2.98 |
| Customers Bancorp Inc | 1.37bn | 235.45m | 1.47bn | 711.00 | 6.40 | 0.9812 | 5.56 | 1.95 | 7.32 | 7.32 | 23.57 | 52.11 | -- | -- | -- | -- | 1.19 | 1.23 | -- | -- | -- | -- | 33.00 | 35.74 | -- | -- | -- | 0.00 | 54.44 | 26.75 | 7.80 | 32.69 | 1.18 | -- |
| City Holding Company | 271.26m | 113.33m | 1.49bn | 957.00 | 13.15 | 2.19 | 12.49 | 5.13 | 7.61 | 7.61 | 19.49 | 45.65 | -- | -- | -- | -- | 1.90 | 1.71 | -- | -- | -- | -- | 39.45 | 39.17 | -- | -- | -- | 39.04 | 43.01 | 10.60 | 12.08 | 10.32 | -21.90 | -- |
| Banner Corp | 719.30m | 165.63m | 1.50bn | 1.97k | 9.10 | 0.9036 | 10.42 | 2.50 | 4.81 | 4.81 | 17.48 | 48.39 | -- | -- | -- | -- | 1.07 | 1.14 | -- | -- | -- | -- | 27.50 | 28.33 | -- | -- | -- | 38.34 | 22.53 | 8.64 | -6.02 | 6.77 | -8.70 | 7.62 |
| Lakeland Financial Corporation | 343.27m | 93.77m | 1.54bn | 608.00 | 16.22 | 2.31 | 15.36 | 6.22 | 3.64 | 3.64 | 9.60 | 25.55 | -- | -- | -- | -- | 1.45 | 1.58 | -- | -- | -- | -- | 37.98 | 41.33 | -- | -- | -- | 39.35 | 43.29 | 11.52 | -9.68 | 3.23 | -5.54 | 12.97 |
| NBT Bancorp Inc. | 522.79m | 118.78m | 1.57bn | 2.03k | 12.50 | 1.10 | 11.70 | 3.02 | 2.66 | 2.66 | 11.63 | 30.26 | -- | -- | -- | -- | 0.9484 | 1.17 | -- | -- | -- | -- | 22.83 | 26.74 | -- | -- | -- | 37.88 | 36.12 | 8.71 | -21.85 | 2.07 | 4.57 | 4.61 |
| Trustmark Corp | 878.83m | 165.49m | 1.57bn | 2.76k | 9.52 | 0.9456 | 7.81 | 2.10 | 2.70 | 2.70 | 12.23 | 27.21 | -- | -- | -- | -- | 0.9009 | 0.8513 | -- | -- | -- | -- | 22.10 | 20.43 | -- | -- | -- | 41.71 | 62.20 | 12.60 | 130.21 | 2.04 | 11.81 | 0.00 |
| OFG Bancorp | 648.88m | 181.87m | 1.58bn | 2.25k | 8.74 | 1.32 | 7.54 | 2.29 | 3.82 | 3.82 | 14.49 | 25.36 | -- | -- | -- | -- | 1.72 | 1.30 | -- | -- | -- | -- | 26.39 | 22.38 | -- | -- | -- | 20.51 | 25.86 | 12.48 | 9.40 | 20.23 | 9.22 | 29.08 |
| Triumph Financial Inc | 422.42m | 37.88m | 1.59bn | 1.47k | 42.28 | 1.94 | 25.17 | 3.80 | 1.61 | 1.61 | 17.81 | 37.09 | -- | -- | -- | -- | 0.7692 | 1.39 | -- | -- | -- | -- | 9.82 | 19.34 | -- | -- | -- | 0.00 | 0.759 | 9.94 | -61.78 | -5.83 | 4.96 | -- |
| Renasant Corp | 797.32m | 144.68m | 1.62bn | 2.30k | 11.22 | 0.7031 | 8.99 | 2.56 | 2.56 | 2.56 | 11.20 | 40.92 | -- | -- | -- | -- | 0.8424 | 0.9549 | -- | -- | -- | -- | 22.88 | 23.25 | -- | -- | -- | 34.06 | 47.16 | 11.54 | -12.88 | -0.3071 | -0.658 | 1.92 |
| WesBanco Inc | 711.52m | 148.91m | 1.64bn | 2.32k | 11.00 | 0.6851 | -- | 2.72 | 2.51 | 2.51 | 10.12 | 42.66 | -- | -- | -- | -- | 0.9181 | 1.08 | -- | -- | -- | -- | 26.43 | 30.06 | -- | -- | -- | 48.43 | 38.52 | 11.39 | -18.18 | 0.797 | 36.97 | 4.53 |
| Live Oak Bancshares Inc | 688.28m | 73.90m | 1.65bn | 943.00 | 22.44 | 1.81 | 17.33 | 3.61 | 1.64 | 1.64 | 10.14 | 20.23 | -- | -- | -- | -- | 0.6996 | 1.28 | -- | -- | -- | -- | 16.17 | 25.00 | -- | -- | -- | 5.20 | 54.85 | 33.45 | -58.06 | 7.41 | -15.90 | 0.00 |
| Independent Bank Group Inc | 871.74m | 43.10m | 1.66bn | 1.52k | 38.46 | 0.6894 | 22.34 | 3.26 | 1.04 | 1.04 | 12.32 | 58.20 | -- | -- | -- | -- | 0.2317 | 1.02 | -- | -- | -- | -- | 8.50 | 29.71 | -- | -- | -- | 31.94 | 33.09 | 16.44 | -77.87 | -19.45 | -11.25 | 23.00 |
| Merchants Bancorp | 1.08bn | 244.56m | 1.67bn | 618.00 | 6.81 | 1.38 | 6.74 | 2.96 | 5.64 | 5.64 | 12.98 | 39.34 | -- | -- | -- | -- | 1.89 | 1.95 | -- | -- | -- | -- | 49.62 | 50.11 | -- | -- | -- | 6.09 | 124.15 | 50.29 | 26.23 | 32.65 | -13.46 | 5.92 |
| FB Financial Corp | 695.06m | 111.79m | 1.67bn | 1.59k | 14.91 | 1.13 | 17.47 | 3.64 | 2.38 | 2.38 | 9.77 | 31.55 | -- | -- | -- | -- | 0.8718 | 1.13 | -- | -- | -- | -- | 24.40 | 23.22 | -- | -- | -- | 17.00 | 40.92 | 23.14 | -3.48 | 8.54 | 14.80 | 24.57 |
Data as of Apr 18 2024. Currency figures normalised to NBT Bancorp Inc's reporting currency: US Dollar USD
42.77%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 6.34m | 13.46% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 5.56m | 11.78% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 2.17m | 4.61% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 2.02m | 4.28% |
| Geode Capital Management LLCas of 31 Dec 2023 | 1.03m | 2.18% |
| Fuller & Thaler Asset Management, Inc.as of 31 Dec 2023 | 767.01k | 1.63% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 746.18k | 1.58% |
| New York Central Mutual Fire Insurance Co. (Invt Portfolio)as of 31 Dec 2023 | 537.56k | 1.14% |
| Charles Schwab Investment Management, Inc.as of 31 Dec 2023 | 530.21k | 1.12% |
| Goldman Sachs Asset Management LPas of 31 Dec 2023 | 464.37k | 0.99% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
