NBT Bancorp Balance Sheet - Quarterly (NASDAQ:NBTB)

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$34.59 $0.37 (1.08%) NBTB stock closing price Sep 18, 2017 (Closing)

The fundamental analysis of this company requires a thorough look at NBT Bancorp balance sheet. All three financial statements should be used to measure the financial performance of the company, and should form a part of the NBT Bancorp stock analysis. Good quarterly results indicate a company's strong financial performance. Its important to check all financial statements including the balance sheet. NBT Bancorp balance sheet as at the end of 2017-Q2 indicates an asset turnover ratio of 0.05M and debt to equity ratio of 0.93M. Whereas, NBT Bancorp revenue was $106.2M and NBT Bancorp operating cash flow was $65.9M for the same period. View NBT Bancorp quarterly results to get the balance sheet details for the latest 40 quarters data.

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Quarterly
Annual
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Fiscal year is Jan - Dec.2017 Q22017 Q12016 Q42016 Q32016 Q22016 Q12015 Q42015 Q32015 Q22015 Q1
Cash163.93M141.89M149.18M188.43M171.6M155.51M140.29M185M134.21M142.66M
Marketable Securities10.4M10.04M9.25M8.85M8.59M8.9M8.37M7.9M8.46M8.26M
Receivables6.3B6.21B6.13B6.09B5.97B5.9B5.82B5.81B5.71B5.56B
Inventory----------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
NBT Bancorp Total Current Assets
6.48B6.36B6.29B6.29B6.16B6.07B5.97B6B5.85B5.71B
Property Plant & Equipment--177.28M---185M---
Accumulated Depreciation--93.09M---96.17M---
NBT Bancorp Net Property Plant & Equipment
82.18M83.14M84.18M84.15M84.59M86.4M88.82M87.76M87.65M88.15M
Investment & Advances1.93B1.93B1.91B1.82B1.82B1.76B1.68B1.56B1.62B1.56B
Other Non-Current Assets----------
Deferred Charges----------
Intangibles284.94M280.28M281.25M280.58M281.19M282.12M283.22M280.36M281.53M282.71M
Deposits & Other Assets299.45M297.56M297.25M299.38M286.27M277.47M239.56M231.25M232.47M228.21M
NBT Bancorp Total Assets
9.08B8.95B8.87B8.77B8.62B8.47B8.26B8.16B8.07B7.86B
Notes Payable681.7M442.48M316.8M456.04M162.94M181.59M159.43M155.97M206.49M368.46M
Accounts Payable7.02B7.19B6.97B6.95B6.74B6.91B6.6B6.6B6.37B6.48B
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses----------
Income Taxes Payable----------
Other Current Liabilities----------
NBT Bancorp Total Current Liabilities
7.85B7.73B7.66B7.53B7.41B7.25B7.05B6.96B6.88B6.67B
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt190.15M205.21M205.28M215.34M211.5M231.57M231.64M231.83M231.9M231.97M
Non-Current Capital Leases----------
Other Long-Term Liabilities99.43M88.13M93.27M114.07M110.08M106.75M101.67M90.55M81.14M81.78M
NBT Bancorp Total Liabilities
8.14B8.02B7.95B7.86B7.73B7.59B7.38B7.29B7.2B6.99B
Minority Interest----------
Preferred Stock----------
Common Stock Net0.49M0.49M0.49M0.49M0.49M0.49M0.49M0.49M0.49M0.49M
Capital Surplus573.1M573.62M575.07M573.65M573.06M573.75M576.72M576.47M575.61M575.92M
Retained Earnings523.26M511.92M501.76M492.13M482.07M471.65M462.23M452.7M442.44M432.84M
Treasury Stock138.61M139.61M142.5M144.95M148.13M150.3M135.03M140.09M126.36M118.24M
Other Liabilities-17.89M-19.59M-21.52M-11.98M-11.14M-13.87M-22.41M-13.36M-16.22M-13.53M
NBT Bancorp Shareholders Equity
940.36M926.83M913.31M909.34M896.35M881.72M882M876.21M875.97M877.49M
NBT Bancorp Total Liabilities & Shareholders Equity
9.08B8.95B8.87B8.77B8.62B8.47B8.26B8.16B8.07B7.86B
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: Anything that the NBT Bancorp company owns and is a part of its books. Assets can be of three types: fixed, current and other assets which includes intangibles, advances. Internet companies typically don't have a lot of assets as there is not much investment in say machinery, equipment etc. NBT Bancorp had total assets of $9.08B.
  • Liabilities or obligations comprise of current liabilities that include short term loans, amounts payable to suppliers, or any other outstanding payments including long term liabilities that take into account long term loans for funding large projects. The total liabilities for NBT Bancorp is $8.14B. Shareholders' equity comes under liabilities as it is money the company owes the holders of NBTB stock.
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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
0.07
price to book ratio
1.66