NBT Bancorp (NBTB) Fundamental Analysis: Revenue, Earnings & Valuation

3.70 / 10

Netural

Fundamental analysis rates NBTB as neutral (3.7/10). Strong gross margin (41.8%) and low liability ratios support the balance sheet, yet valuation metrics such as PB‑ROE and Asset‑MV are weak, resulting in an overall poor fundamental profile.

Analysis Checks(7/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.32%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.32%

1M Return3.70%

Profit-MV

Value1.31

Score1/3

Weight8.67%

1M Return3.90%

Net income-Revenue

Value0.74

Score3/3

Weight15.91%

1M Return6.99%

PB-ROE

Value-0.94

Score0/3

Weight8.54%

1M Return4.15%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.32%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.32%

1M Return3.70%

Cash-UP

Value-0.41

Score2/3

Weight8.82%

1M Return4.32%

Asset-MV

Value-0.55

Score1/3

Weight14.81%

1M Return6.12%

Cash-MV

Value0.12

Score2/3

Weight13.98%

1M Return6.14%

Is NBTB fundamentally strong?

NBTB scores 3.70/10 on fundamentals and holds a Fair valuation at present. Backed by its 9.89% ROE, 24.28% net margin, 13.26 P/E ratio, 1.18 P/B ratio, and 12.08% earnings growth, these metrics solidify its Netural investment rating.