NBT BancorpStock Price and Value Analysis

Should you buy NBT Bancorp stock? (NasdaqGS:NBTB). Let's see how it does in our automated value investing analysis system.

AdvantagesDisadvantages
  • This company has an average dividend yield.
  • This company has stable growth.
  • This company is solid.
  • This stock looks overpriced.
  • This company is making money at a modest rate.

NBTB Free Cash Flow Trend

Based on historical returns, we believe that NBT Bancorp can grow its free cash at a rate of about 1%. That's positive!

Free Cash Flow trendline for NBTB
Free Cash Flow trendline for NBT Bancorp

Inside the NBTB Numbers

NBTB Price
(NBT Bancorp stock price per share)
$37.64
[?] NBTB Fair Price
(based on intrinsic value)
$31.73
[?] NBTB Safety Price (based on a variable margin of safety) $20.62
[?] PE Ratio versus Sector 47% higher than other Financial stocks
[?] PE Ratio versus Industry 7% higher than other Regional - Northeast Banks stocks
[?] Cash Yield 4.81%
[?] Free Cash Flow Jitter 18%
[?] Dividend Yield 2%

Is NBT Bancorp Stock on Sale?

We believe that NBT Bancorp may be worth examining further. It's making money, which is a very positive sign. Is it on sale?

NBT Bancorp looks overpriced right now. If you're looking for a bargain in the stock market, you should probably look elsewhere for a great deal. This might still be a great stock to own—but it's not on sale right now.

Should You Buy NBTB Stock?

Does NBT Bancorp have a coherent story? Does it have a plan to continue to make money? Is it worth your time? Only you can decide where to go from here. Our investment guide helps you ask the right questions, including how to buy stocks. Use these research links for more information.