NBT Bancorp Balance Sheet - Annual (NASDAQ:NBTB)

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$32.92 $0.36 (1.08%) NBTB stock closing price Aug 23, 2017 (Closing)

The financial analysis of a company like NBT Bancorp involves checking the three financial statements of the company in detail, of which the balance sheet is one. Financial strength can be guaged by performing NBT Bancorp stock analysis and by analyzing the balance sheet. A company releases its balance sheet every quarter along with its quarterly results. The NBT Bancorp balance sheet for 2016 shows cash on hand of $149.18M. The cash has increased by $8.89M. NBT Bancorp revenue was $402.66M and NBT Bancorp operating cash flow was $109.51M. 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.2016201520142013201220112010200920082007
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 & Equipment177.28M185M181.23M175.82M160.92M151.12M168.63M163.21M157.13M-
Accumulated Depreciation93.09M96.17M91.97M87.5M83.04M76.57M101.23M96.99M91.88M-
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 Net0.49M0.49M0.49M0.49M0.39M0.38M0.38M0.38M0.36M0.36M
Capital Surplus575.07M576.72M576.5M574.15M346.69M317.32M314.02M311.16M276.41M273.27M
Retained Earnings501.76M462.23M423.95M385.78M357.55M329.98M299.79M270.23M245.34M215.03M
Treasury Stock142.5M135.03M119.74M127.1M116.49M103.47M75.29M77.81M82.07M87.79M
Other Liabilities-21.52M-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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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 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 $8.87B. 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 2016 total to $7.95B. 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
0.83
Debt to Equity ratio
0.93
Asset Turnover
ratio
0.05
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
1.5760