NBT BANCORP INC (NBTB)
National Commercial Banks · Financial Services · $3.4B
Intrinsic Value (Consensus)
$75.80
Current Price
$66.60
Margin of Safety
+13.8%
13.8% Below Intrinsic Value
Value: $76
Price: $67
Valuation Model Estimates
Current Price: $66.60
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance