Each factor with its sector median and, where it's reported per quarter, its last 12 quarters.
NBTBSector12 quartersMarket cap$2.74B$6.02BEnterprise value—$8.09BAvg daily $ volume$21.11M$69.62MDaily turnover0.8%0.9%
NBTBSector12 quartersRevenue CAGR 3y—9.3%Revenue CAGR 5y—7.4%Revenue growth YoY—10.7%Revenue acceleration—−0.5 ppFCF growth YoY39.7%13.9%FCF conversion114.7%111.5%Forward growth (HoM est.)—10.6% NBTBSector12 quartersP/E (trailing)12.8×13.0×P/E (forward, HoM est.)—11.9×P/E vs. sector1.0×1.0×PEG (HoM est.)—1.33EV/Sales—2.7×FCF yield—7.4%Dividend yield2.8%2.0%Shareholder yield3.7%4.6%
NBTBSector12 quartersQuality checks passed23ROIC—15.0%Gross margin—61.0%Gross margin Δ 3y—+3.8 ppOperating margin—23.7%Operating margin Δ 3y—+2.0 ppShare count Δ 3y21.5%-1.6%Stock compensation / revenue—2.0%Accruals ratio-0.3%-0.5% NBTBSector12 quartersEfficiency ratio60.1%58.5%Net interest income / assets3.4%3.2%Credit cost—0.2%Return on tangible equity14.9%14.6%Equity / assets12.0%13.4%Price / tangible book1.9×1.8× NBTBSector12 quartersDays to next report1513
NBTBSector12 quartersInsider buys (90d)00Insiders buying (90d)00Insider net value (90d)-$730.71K-$161.4KInstitutional ownership67.7%85.8%Institutional Δ QoQ+3.6 pp+0.8 ppConviction funds net buying—+0.0 ppActive managers net buying+3.1 pp−0.0 ppActive funds net buying+0.0 pp+0.0 ppDays to cover6.814.49Short % of shares out5.2%4.4%Short interest Δ+0.6 pp+0.1 pp