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NBT Bancorp NBTB Debt-to-equity

Debt-to-equity at other companies

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1.4×+0.1×
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+0.5×
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0.9×+0.1×
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0.3×0.0×
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0.6×-0.1×
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Northwest BancsharesNWBI
-0.1×

Other financials

Income statement

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Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

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Cash & equivalents$294.7M-45.6%
Total debt$316.4M+180%
Total equity$1.9B+7.7%
Total assets$16.2B+1.2%

Cash flow

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Operating cash flow$61.9M+33.2%
CapEx$1.4M-41.6%
Free cash flow$60.5M+37.1%

Valuation

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Market cap$2.75B+28.7%
Enterprise value$2.77B+62.3%
P/E12.9×-3.2×
P/S3.7×+0.3×

Profitability

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Net margin28.8%+7.4pp
FCF margin33.1%+4.8pp

Returns & leverage

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Return on equity11.4%+3.3pp

Where this comes from

Calculated from NBT Bancorp’s reported figures.

Based on the most recent quarter.

The source filing: NBT Bancorp’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 4:04 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031820

FAQ

What is NBT Bancorp's debt-to-equity?
NBT Bancorp (NBTB) reported debt-to-equity of 0.2× in Q2 2026.
How has NBT Bancorp's debt-to-equity changed year-over-year?
NBT Bancorp's debt-to-equity increased by 160.1% year-over-year, from 0.1× to 0.2×.
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.

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