NBT Bancorp Inc. — Earnings Quality Grade A
NBTB · Financial Services
Strong financial health
Screening Summary
管理层信号
数据来源：SEC EDGAR 8-K Item 5.02，附 Exhibit 99.1 链接
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 20.9%, CFFO 24.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 38.8% vs revenue 20.9%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.39. Profits backed by cash
FCF $0.2B, FCF/NI = 1.29
Accruals ratio = -0.4%. Low accruals
Cash $0.5B covers debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.5B = 27% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 28% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
NBT Bancorp Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25