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NBT Bancorp NBTB Debt-to-equity

Debt-to-equity at other companies

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JPMorgan ChaseJPM
1.4×+0.1×
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+0.5×
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0.9×+0.1×
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0.2×-0.1×
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F.N.B. CorporationFNB
0.7×-0.1×
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Nicolet BanksharesNIC
0.1×-0.1×

Other financials

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%
Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp

Where this comes from

Calculated from NBT Bancorp’s reported figures.

Based on the most recent quarter.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's debt-to-equity?
NBT Bancorp (NBTB) reported debt-to-equity of 0.1× in Q1 2026.
How has NBT Bancorp's debt-to-equity changed year-over-year?
NBT Bancorp's debt-to-equity increased by 12.4% year-over-year, from 0.1× to 0.1×.
What is the long-term trend for NBT Bancorp's debt-to-equity?
Over 5 years (2020 to 2025), NBT Bancorp's debt-to-equity has grown at a -10.8% compound annual growth rate (CAGR), from 0.2× to 0.1×.
What does debt-to-equity mean?
Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.