NBT Bancorp Balance Sheet - Annual (NASDAQ:NBTB)

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$42.17 $0.36 (0.86%) NBTB stock closing price Feb 23, 2017 (Closing)

A thorough fundamental analysis involves using data from NBT Bancorp balance sheet, apart from other financial statements, to value the business. A balance sheet can help evaluate the financial performance of a company. Ratios like return on total assets and current ratio, which also uses cash on hand can be used to measure the operating efficiency of a firm, and can be used to conduct a more accurate NBT Bancorp stock analysis. A company releases its balance sheet every quarter along with its quarterly results. NBT Bancorp balance sheet as at the end of 2016 indicates an asset turnover ratio of 0.05M and debt to equity ratio of 0.97M. Whereas, NBT Bancorp revenue was $402.66M and NBT Bancorp operating cash flow was $124.54M for the same period. View latest and last 10 year balance sheet data to check NBT Bancorp financial performance..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Cash149.18M140.29M146.63M158.92M163.66M129.38M168.79M187.16M110.39M162.94M
Marketable Securities9.25M8.37M7.79M5.77M3.91M3.06M2.8M2.41M--
Receivables6.13B5.82B5.53B5.34B4.21B3.73B3.54B3.58B3.59B3.4B
Inventory----------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
NBT Bancorp Total Current Assets
6.29B5.97B5.68B5.5B4.38B3.86B3.71B3.77B3.7B3.56B
Property Plant & Equipment-185M181.23M175.82M160.92M151.12M168.63M163.21M157.13M-
Accumulated Depreciation-96.17M91.97M87.5M83.04M76.57M101.23M96.99M91.88M-
NBT Bancorp Net Property Plant & Equipment
84.18M88.82M89.25M88.32M77.87M74.54M67.4M66.22M65.24M64.04M
Investment & Advances1.91B1.68B1.5B1.53B1.24B1.34B1.25B1.31B1.3B1.33B
Other Non-Current Assets----------
Deferred Charges----------
Intangibles281.25M283.22M283.95M290.55M169.33M150.22M132.38M135.52M138.2M113.57M
Deposits & Other Assets297.25M239.56M241.21M242.2M180.69M169.88M174.77M181.17M129.98M132.22M
NBT Bancorp Total Assets
8.87B8.26B7.8B7.65B6.04B5.6B5.34B5.46B5.34B5.2B
Notes Payable681.7M442.48M316.8M456.04M162.94M181.59M159.43M155.97M206.49M368.46M
Accounts Payable6.97B6.6B6.3B5.89B4.78B4.37B4.13B4.09B3.92B3.87B
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses----------
Income Taxes Payable----------
Other Current Liabilities----------
NBT Bancorp Total Current Liabilities
7.66B7.05B6.62B6.35B4.95B4.55B4.29B4.25B4.13B4.24B
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt205.28M231.64M232.14M410.01M442.91M445.76M445.29M630.12M707.63M500.3M
Non-Current Capital Leases----------
Other Long-Term Liabilities93.27M101.67M85.19M79.32M69.78M65.78M66.2M79.76M66.86M63.6M
NBT Bancorp Total Liabilities
7.95B7.38B6.93B6.84B5.46B5.06B4.81B4.96B4.9B4.8B
Minority Interest----------
Preferred Stock----------
Common Stock Net-0.49M0.49M0.49M0.39M0.38M0.38M0.38M0.36M0.36M
Capital Surplus-576.72M576.5M574.15M346.69M317.32M314.02M311.16M276.41M273.27M
Retained Earnings-462.23M423.95M385.78M357.55M329.98M299.79M270.23M245.34M215.03M
Treasury Stock-135.03M119.74M127.1M116.49M103.47M75.29M77.81M82.07M87.79M
Other Liabilities--22.41M-17.02M-16.76M-5.88M-6.1M-5.33M1.16M-8.2M-3.57M
NBT Bancorp Shareholders Equity
913.31M882M864.18M816.56M582.27M538.11M533.57M505.12M431.84M397.3M
NBT Bancorp Total Liabilities & Shareholders Equity
8.87B8.26B7.8B7.65B6.04B5.6B5.34B5.46B5.34B5.2B
All figures in USD. M: Millions of USD, B: Billions of USD.
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Most investors just check the NBT Bancorp stock price, and NBT Bancorp historical stock prices before investing. While share price is an important factor, one should also look at financials and valuation metrics like the NBT Bancorp PE ratio chart. Below is a brief explanation of common balance sheet terms:
  • Assets: NBTB total assets, which was at $8.87B for 2016 is a balance sheet item representing value of what NBT Bancorp owns. Assets are brought to aid a firms operations, or to increase its economic value. It must be noted that tech stocks may not have a lot of assets, as the value for these companies is often derived from future earning potential.
  • Liabilities: This item on the balance sheet implies the firm's, in this case NBT Bancorp's, legal obligations including loans, accounts payable, deferred revenue, accrued expenses and mortgages. The total liabilities for NBTB stock stand at $7.95B.
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NBT Bancorp Balance Sheet - Key Ratios

Current ratio
0.82
Debt to Equity ratio
0.97
Asset Turnover
ratio
0.05
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
2.0550