NBTB (NBTB)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$3.02B
EV / Sales3.20
EV / EBITDA10.33
EV / Operating Cash Flow12.27
EV / Free Cash Flow12.85

Return Metrics (TTM)

Return on Equity (ROE)11.26%
Return on Assets (ROA)1.32%
Return on Invested Capital (ROIC)1.32%
Return on Capital Employed (ROCE)1.74%

Yield Metrics

Earnings Yield7.79%
Free Cash Flow Yield8.59%

Balance Sheet Strength

Net Debt / EBITDA0.97
Current Ratio0.59
Working Capital-$129.27M
Tangible Asset Value$1.44B
Net Current Asset Value-$14.08B

Working Capital Efficiency

Days Sales Outstanding0.00
Days Payables Outstanding0.00
Operating Cycle (Days)0.00
Cash Conversion Cycle0.00

Capital Allocation

CapEx / Revenue1.16%
CapEx / Operating Cash Flow4.46%
R&D / Revenue0.00%
SG&A / Revenue16.96%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin72.14%
Operating Margin25.30%
Net Profit Margin19.51%

Solvency

Debt / Equity0.17
Quick Ratio1.60
Cash Ratio1.25

Per Share

Revenue / Share$18.41
FCF / Share$4.65
PE Ratio12.43