NBTB
NBT Bancorp·NASDAQ
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2.42 / 10
Underperform
NBT Bancorp's fundamental score is 2.42/10, indicating a weak standing. Key concerns include a high PB-ROE of 2.46 (group 4) and negative Asset-MV, while revenue and cash metrics are marginally positive. The company reported a 54% Q4 profit increase, but valuation and profitability ratios still lag, suggesting limited upside without improvement in efficiency metrics.
Analysis Checks(4/10)
Revenue-MV
Value0.21
Score0/3
Weight8.40%
1M Return3.38%
Value0.21
Score0/3
Weight8.40%
1M Return3.38%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.91%
1M Return3.07%
Value100.00
Score1/3
Weight6.91%
1M Return3.07%
PB-ROE
Value2.46
Score1/3
Weight10.67%
1M Return4.74%
Value2.46
Score1/3
Weight10.67%
1M Return4.74%
ROE (diluted) (%)
Value6.14
Score2/3
Weight8.15%
1M Return3.55%
Value6.14
Score2/3
Weight8.15%
1M Return3.55%
ROE (%)
Value6.73
Score1/3
Weight7.86%
1M Return3.41%
Value6.73
Score1/3
Weight7.86%
1M Return3.41%
Annualized return on equity (%)
Value8.97
Score1/3
Weight7.86%
1M Return3.41%
Value8.97
Score1/3
Weight7.86%
1M Return3.41%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.86%
1M Return3.46%
Value36.70
Score3/3
Weight7.86%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.84%
1M Return3.44%
Value100.00
Score3/3
Weight7.84%
1M Return3.44%
Asset-MV
Value-0.51
Score1/3
Weight15.32%
1M Return5.62%
Value-0.51
Score1/3
Weight15.32%
1M Return5.62%
Cash-MV
Value0.13
Score3/3
Weight19.13%
1M Return7.53%
Value0.13
Score3/3
Weight19.13%
1M Return7.53%
Revenue-MV
Value0.21
Score0/3
Weight8.40%
1M Return3.38%
Value0.21
Score0/3
Weight8.40%
1M Return3.38%
Annualized return on equity (%)
Value8.97
Score1/3
Weight7.86%
1M Return3.41%
Value8.97
Score1/3
Weight7.86%
1M Return3.41%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.91%
1M Return3.07%
Value100.00
Score1/3
Weight6.91%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.86%
1M Return3.46%
Value36.70
Score3/3
Weight7.86%
1M Return3.46%
PB-ROE
Value2.46
Score1/3
Weight10.67%
1M Return4.74%
Value2.46
Score1/3
Weight10.67%
1M Return4.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.84%
1M Return3.44%
Value100.00
Score3/3
Weight7.84%
1M Return3.44%
ROE (diluted) (%)
Value6.14
Score2/3
Weight8.15%
1M Return3.55%
Value6.14
Score2/3
Weight8.15%
1M Return3.55%
Asset-MV
Value-0.51
Score1/3
Weight15.32%
1M Return5.62%
Value-0.51
Score1/3
Weight15.32%
1M Return5.62%
ROE (%)
Value6.73
Score1/3
Weight7.86%
1M Return3.41%
Value6.73
Score1/3
Weight7.86%
1M Return3.41%
Cash-MV
Value0.13
Score3/3
Weight19.13%
1M Return7.53%
Value0.13
Score3/3
Weight19.13%
1M Return7.53%
Is NBTB fundamentally strong?
- NBTB scores 2.42/10 on fundamentals and holds a Premium valuation at present. Backed by its 6.73% ROE, 22.67% net margin, 16.30 P/E ratio, 1.32 P/B ratio, and 5.57% earnings growth, these metrics solidify its Underperform investment rating.
