NBT Bancorp Balance Sheet - Annual (NASDAQ:NBTB)

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$41.35 $0.34 (0.83%) NBTB stock closing price Jan 20, 2017 (Closing)

The financial analysis of a company involves interpreting the income statement, balance sheet and cash flow statements of the company to draw insights like we've done in our NBT Bancorp stock analysis. How cash on hand has increased or decreased is one of the many indicators used while undertaking the NBT Bancorp stock analysis, and provides insights into the firm's financial performance. Quarterly results are typically accompanied with the company releasing financial statements. NBT Bancorp balance sheet as at the end of 2015 indicates an asset turnover ratio of 0.05M and debt to equity ratio of 0.72M. Whereas, NBT Bancorp revenue was $391.7M 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. 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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Apart from balance sheet items, an investor would do well to keep track of the NBT Bancorp stock price by looking at NBT Bancorp historical stock prices. One can compare PE with industry average by looking at the NBT Bancorp PE ratio chart. The common balance sheet items are:
  • Assets: An asset is a resource that a corporation like NBT Bancorp owns and has monetary significance. NBTB assets grew from $7.8B in 2014 to $8.26B in 2015 . Assets can be of two types: fixed assets like real estate, plant and machinery; and current assets which includes cash, accounts receivable etc. Tech stocks typically don't have too many assets.
  • Liabilities include short term loans and long term loans availed by the company to fund its business operations. NBTB stock had total liabilities of $7.38B for year 2015.
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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
)
2.0260