NBTB Valuation

NBT Bancorp Inc

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38.830

-0.820(-2.070%)

Overview
Forecast
Valuation

NBTB Relative Valuation

NBTB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NBTB is overvalued; if below, it's undervalued.

Historical Valuation

NBT Bancorp Inc(NBTB) is now in theFairzone, suggesting that its currentforward PEratio of11.32is consideredFairlycompared with the five-year average of12.13.The fair price of NBT Bancorp Inc(NBTB)is between37.31to45.11according to relative valuation methord.

Relative Value

Fair Zone

37.31-45.11

Current Price：38.83

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

1.20

P/B

Median3y

1.35

Median5y

1.31

9.44

FCF Yield

Median3y

8.70

Median5y

9.27

Competitors Valuation Multiple

The average P/S ratio for NBTB's competitors is 2.52, providing a benchmark for relative valuation. NBT Bancorp Inc Corp (NBTB) exhibits a P/S ratio of 2.73, which is 8.57% above the industry average. Given its robust revenue growth of 8.58%, this premium appearsunsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap