NBT BANCORP INC (NBTB)
National Commercial Banks · Financial Services · $2.5B
Intrinsic Value (Consensus)
$75.80
Current Price
$47.30
Margin of Safety
+60.3%
60.3% Below Intrinsic Value
Value: $76
Price: $47
Valuation Model Estimates
Current Price: $47.30
DCF (Discounted Cash Flow)
$103.88
Graham Number
$52.85
Earnings Power Value
$32.33
Relative Value (P/E)
$66.60
Dividend Discount Model
$123.33
Consensus Value
$75.80
Model Assumptions
Discount Rate
10.3%
Growth Rate
12.1%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
80
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
19/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (8.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.33
- EPS (Forward)
- $3.73
- Book Value
- $37.27
- P/E Ratio
- 20.0
- Forward P/E
- 17.8
- PEG Ratio
- —
- ROE
- 8.9%
- Debt/Equity
- 4%
- Revenue Growth
- 10.4%
- Earnings Growth
- 12.1%
- Dividend Yield
- 0.6%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance