NBT Bancorp Inc. cash flow to debt ratio of 71.84% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

NBT Bancorp Inc.'s free cash flow has increased 23.80% from $176.82M last year to $218.92M, signaling increasing performance

NBT Bancorp Inc.'s debt to equity ratio is 0.24, which means that the company's assets are healthy financed, signaling financial stability.

NBT Bancorp Inc.'s debt has decreased relative to shareholder equity from 0.27 last year to 0.24 today, signaling strengthened financials

NBT Bancorp Inc. has a net debt to EBITDA ratio of 0.59x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

NBT Bancorp Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

NBT Bancorp Inc.'s profit margin has increased (26.61%) in the last year from 17.89% to 22.65%, signaling increasing performance

NBT Bancorp Inc.'s short-term assets of $237.16M exceed its short-term liabilities of $148.07M

NBT Bancorp Inc.'s return on assets of 1.32% is lower than the 5.00% threshold, indicating inefficient asset utilization

NBT Bancorp Inc.'s return on equity of 11.26%, is lower than 15.00%, indicating bad performance

NBT Bancorp Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

NBT Bancorp Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

NBT Bancorp Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

NBT Bancorp Inc. has a free cash flow yield of 8.02%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

NBT Bancorp Inc.'s yearly earnings has increased 20.33% since last year from $140.64M to $169.24M, signaling increasing performance

NBT Bancorp Inc.'s yearly revenue has increased 10.36% since last year from $785.99M to $867.43M, signaling increasing performance

ROIC 1.32% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

NBT Bancorp Inc.'s 3-year revenue CAGR of 17.33% is positive, indicating growing revenue over the past 3 years

NBT Bancorp Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

NBT Bancorp Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

NBT Bancorp Inc. is undervalued relative to its fair value price of 71.14 based on Discounted Cash Flow model

NBT Bancorp Inc. has an earnings yield of 7.82%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

NBT Bancorp Inc. is overvalued relative to its fair value price of 29.60 based on EBITDA multiple model

NBT Bancorp Inc. has an EV/EBITDA ratio of 11.91x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

NBT Bancorp Inc. is undervalued relative to its fair value price of 81.89 based on Earnings Fair Value model

NBT Bancorp Inc. has a PEG-ratio over 1 which is considered overvalued

NBT Bancorp Inc. has a price-to-book ratio of 1.41x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

NBT Bancorp Inc. has a price-to-sales ratio of 2.90x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue