NBT Bancorp Balance Sheet - Annual (NASDAQ:NBTB)

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$36.57 $0.61 (1.7%) NBTB stock closing price Feb 23, 2018 (Closing)

The fundamental analysis of this company requires a thorough look at NBT Bancorp balance sheet. Financial strength can be guaged by performing NBT Bancorp stock analysis and by analyzing the balance sheet. Good annual results indicate a company's strong financial performance. Its important to check all financial statements including the balance sheet. Apart from analyzing NBT Bancorp revenue NBT Bancorp operating cash flow, one needs to check balance sheet items like cash, fixed assets and debt. The NBT Bancorp balance sheet for 2017 shows cash on hand of $159.66M. The company has a debt to equity ratio of 0.95.

View latest 10 year balance sheet data to check NBT Bancorp financial performance.
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Quarterly
Annual
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
Cash159.66M149.18M140.29M146.63M158.92M163.66M129.38M168.79M187.16M110.39M
Marketable Securities11.46M9.25M8.37M7.79M5.77M3.91M3.06M2.8M2.41M-
Receivables6.52B6.13B5.82B5.53B5.34B4.21B3.73B3.54B3.58B3.59B
Inventory----------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Total Current Assets
6.69B6.29B5.97B5.68B5.5B4.38B3.86B3.71B3.77B3.7B
Property Plant & Equipment-177.28M185M181.23M175.82M160.92M151.12M168.63M163.21M157.13M
Accumulated Depreciation-93.09M96.17M91.97M87.5M83.04M76.57M101.23M96.99M91.88M
Net Property Plant & Equipment
81.3M84.18M88.82M89.25M88.32M77.87M74.54M67.4M66.22M65.24M
Investment & Advances1.79B1.91B1.68B1.5B1.53B1.24B1.34B1.25B1.31B1.3B
Other Non-Current Assets----------
Deferred Charges----------
Intangibles281.46M281.25M283.22M283.95M290.55M169.33M150.22M132.38M135.52M138.2M
Deposits & Other Assets300.93M297.25M239.56M241.21M242.2M180.69M169.88M174.77M181.17M129.98M
Total Assets
9.14B8.87B8.26B7.8B7.65B6.04B5.6B5.34B5.46B5.34B
Notes Payable719.12M681.7M442.48M316.8M456.04M162.94M181.59M159.43M155.97M206.49M
Accounts Payable7.17B6.97B6.6B6.3B5.89B4.78B4.37B4.13B4.09B3.92B
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses----------
Income Taxes Payable----------
Other Current Liabilities----------
Total Current Liabilities
7.89B7.66B7.05B6.62B6.35B4.95B4.55B4.29B4.25B4.13B
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt190.06M205.28M231.64M232.14M410.01M442.91M445.76M445.29M630.12M707.63M
Non-Current Capital Leases----------
Other Long-Term Liabilities98.81M93.27M101.67M85.19M79.32M69.78M65.78M66.2M79.76M66.86M
Total Liabilities
8.18B7.95B7.38B6.93B6.84B5.46B5.06B4.81B4.96B4.9B
Minority Interest----------
Preferred Stock----------
Common Stock Net----------
Capital Surplus-575.07M576.72M576.5M574.15M346.69M317.32M314.02M311.16M276.41M
Retained Earnings-501.76M462.23M423.95M385.78M357.55M329.98M299.79M270.23M245.34M
Treasury Stock-142.5M135.03M119.74M127.1M116.49M103.47M75.29M77.81M82.07M
Other Liabilities--21.52M-22.41M-17.02M-16.76M-5.88M-6.1M-5.33M1.16M-8.2M
Shareholders Equity958.17M913.31M882M864.18M816.56M582.27M538.11M533.57M505.12M431.84M
Total Liabilities & Shareholders Equity9.14B8.87B8.26B7.8B7.65B6.04B5.6B5.34B5.46B5.34B
All figures in USD. M: Millions of USD, B: Billions of USD.
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Looking at NBT Bancorp historical stock prices and the current NBT Bancorp stock price can tell you how the stock price has moved, whereas the NBT Bancorp PE ratio chart shows if its shares are overpriced in comparison to peers. The important things to look for in a balance sheet are:

  • Assets: An asset is a resource that a corporation like NBT Bancorp owns and has monetary significance. NBTB assets grew from $8.87B in 2016 to $9.14B in 2017. 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: The total liabilities of NBT Bancorp for the year 2017 total to $8.18B. 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.

NBT Bancorp Balance Sheet - Key Ratios

Current ratio
0.85
Debt to equity ratio
0.95
Asset turnover ratio
0.05
Receivables turnover
0.07
Price to book ratio
1.72