NBT Bancorp Balance Sheet - Annual (NASDAQ:NBTB)

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$41.39 $0.84 (2.07%) NBTB stock closing price Dec 08, 2016 (Closing)

A thorough fundamental analysis involves using data from NBT Bancorp balance sheet, apart from other financial statements, to value the business. Financial strength can be guaged by performing NBT Bancorp stock analysis and by analyzing the balance sheet. Good quarterly results indicate a company's strong financial performance. Its important to check all financial statements including the balance sheet. The NBT Bancorp balance sheet for 2015 shows cash on hand of $140.29M. The cash has decreased by $6.34M. NBT Bancorp revenue was $391.7M and NBT Bancorp operating cash flow was $124.54M. 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. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash140.29M146.63M158.92M163.66M129.38M168.79M187.16M110.39M162.94M138.79M
Marketable Securities8.37M7.79M5.77M3.91M3.06M2.8M2.41M---
Receivables5.82B5.53B5.34B4.21B3.73B3.54B3.58B3.59B3.4B3.36B
Inventory----------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
NBT Bancorp Total Current Assets
5.97B5.68B5.5B4.38B3.86B3.71B3.77B3.7B3.56B3.5B
Property Plant & Equipment185M181.23M175.82M160.92M151.12M168.63M163.21M157.13M--
Accumulated Depreciation96.17M91.97M87.5M83.04M76.57M101.23M96.99M91.88M--
NBT Bancorp Net Property Plant & Equipment
88.82M89.25M88.32M77.87M74.54M67.4M66.22M65.24M64.04M66.98M
Investment & Advances1.68B1.5B1.53B1.24B1.34B1.25B1.31B1.3B1.33B1.28B
Other Non-Current Assets----------
Deferred Charges----------
Intangibles283.22M283.95M290.55M169.33M150.22M132.38M135.52M138.2M113.57M115.34M
Deposits & Other Assets239.56M241.21M242.2M180.69M169.88M174.77M181.17M129.98M132.22M122.94M
NBT Bancorp Total Assets
8.26B7.8B7.65B6.04B5.6B5.34B5.46B5.34B5.2B5.09B
Notes Payable442.48M316.8M456.04M162.94M181.59M159.43M155.97M206.49M368.46M345.4M
Accounts Payable6.6B6.3B5.89B4.78B4.37B4.13B4.09B3.92B3.87B3.8B
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses----------
Income Taxes Payable----------
Other Current Liabilities----------
NBT Bancorp Total Current Liabilities
7.05B6.62B6.35B4.95B4.55B4.29B4.25B4.13B4.24B4.14B
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt231.64M232.14M410.01M442.91M445.76M445.29M630.12M707.63M500.3M493.15M
Non-Current Capital Leases----------
Other Long-Term Liabilities101.67M85.19M79.32M69.78M65.78M66.2M79.76M66.86M63.6M48.95M
NBT Bancorp Total Liabilities
7.38B6.93B6.84B5.46B5.06B4.81B4.96B4.9B4.8B4.68B
Minority Interest----------
Preferred Stock----------
Common Stock Net0.49M0.49M0.49M0.39M0.38M0.38M0.38M0.36M0.36M0.36M
Capital Surplus576.72M576.5M574.15M346.69M317.32M314.02M311.16M276.41M273.27M271.52M
Retained Earnings462.23M423.95M385.78M357.55M329.98M299.79M270.23M245.34M215.03M191.77M
Treasury Stock135.03M119.74M127.1M116.49M103.47M75.29M77.81M82.07M87.79M45.83M
Other Liabilities-22.41M-17.02M-16.76M-5.88M-6.1M-5.33M1.16M-8.2M-3.57M-14.01M
NBT Bancorp Shareholders Equity
882M864.18M816.56M582.27M538.11M533.57M505.12M431.84M397.3M403.81M
NBT Bancorp Total Liabilities & Shareholders Equity
8.26B7.8B7.65B6.04B5.6B5.34B5.46B5.34B5.2B5.09B
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: An asset is a resource that a corporation like NBT Bancorp owns and has economic value. The two major types of assets are: fixed assets like real estate, plant and machinery and current assets like cash, marketable securities and inventory. The total asset value for NBTB stock as of year is $8.26B. Its easy to associate the term with manufacturing companies, which invest a lot in factories and equipment. However, the same cannot be said about tech stocks.
  • Liabilities: The total liabilities of NBT Bancorp for 2015 total to $7.38B. Liabilities for a company like NBT Bancorp include bank loans, services which have been availed for which a settlement in the form of cash/ asset transfer needs to be done in future etc. A firm takes on such obligations to grow its business which in turn will generate future economic benefits for its business.
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NBT Bancorp Balance Sheet - Key Ratios

Current ratio
0.84
Debt to Equity ratio
0.72
Asset Turnover
ratio
0.05
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
2.0280