NBT Bancorp Inc.
Find Ratings ReportsN B T BANCORP INC's gross profit margin for the fourth quarter of its fiscal year 2023 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 21.48% from the same quarter last year.
STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.
Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 189.4 | 143.26 |
EBITDA ($mil) | 75.35 | 72.44 |
EBIT ($mil) | 70.33 | 69.33 |
Net Income ($mil) | 30.45 | 36.12 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 205.19 | 197.35 |
Total Assets ($mil) | 13309.04 | 11739.3 |
Total Debt ($mil) | 665.61 | 813.5 |
Equity ($mil) | 1425.69 | 1173.55 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 69.98 | 88.08 |
EBITDA Margin | 39.78 | 50.56 |
Operating Margin | 37.13 | 48.39 |
Sales Turnover | 0.05 | 0.05 |
Return on Assets | 0.89 | 1.29 |
Return on Equity | 8.33 | 12.95 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.32 | 0.41 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 47.11 | 42.86 |
Div / share | 0.32 | 0.3 |
EPS | 0.64 | 0.84 |
Book value / share | 30.26 | 27.38 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 200013.0 | 176957.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.10 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is below the S&P 500 average and is well below the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, N B T BANCORP INC proves to trade at a discount to investment alternatives.
Price/Earnings |
|
Price/Cash Flow |
| |||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
NBTB 12.49 | Peers 17.75 | NBTB 9.94 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. NBTB is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. NBTB is trading at a significant discount to its peers. |
|||||||||||||||||||||||
Price/Projected Earnings |
|
Price to Earnings/Growth |
|
|||||||||||||||||||||
NBTB 10.07 | Peers 13.86 | NBTB 1.26 | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. NBTB is trading at a discount to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. NBTB trades at a significant discount to its peers. |
|||||||||||||||||||||||
Price/Book |
|
Earnings Growth |
|
|||||||||||||||||||||
NBTB 1.10 | Peers 8.64 | NBTB -24.44 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. NBTB is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, NBTB is expected to significantly trail its peers on the basis of its earnings growth rate. |
|||||||||||||||||||||||
Price/Sales |
|
Sales Growth |
|
|||||||||||||||||||||
NBTB 2.35 | Peers 4.87 | NBTB 23.22 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. NBTB is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. NBTB significantly trails its peers on the basis of sales growth. |
|||||||||||||||||||||||