Where do NBT Bancorp's ratios come from?

Every ratio is computed from NBT Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

NBT Bancorp NBTB Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	25.3%+1.0pp	24.3%-0.1pp	22.7%-1.2pp	21.4%-0.5pp	24.3%+2.0pp
Returns
Return on equity	10.6%+1.0pp	9.9%+0.4pp	8.9%-0.5pp	8.2%-0.9pp	9.5%+0.6pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.1×0.0×	0.1×0.0×	0.1×-0.1×	0.1×-0.1×	0.1×-0.1×
Per Share
Book value per share	$36.73+10.8%	——	$35.35+9.6%	$35.69+15.1%	$33.14+8.4%
Valuation
Market capitalization	$2.22B+9.7%	$2.17B-3.6%	$2.19B+4.9%	$2.15B+18.3%	$2.03B+17.2%
Price / earnings	12.1×-2.0×	12.8×-3.2×	14.6×-0.8×	16.1×+1.2×	14.1×-0.4×
Price / sales	3.1×-0.4×	3.1×-0.8×	3.3×-0.4×	3.5×+0.2×	3.4×+0.2×
Price / book	1.2×-0.1×	1.1×-0.3×	1.2×-0.2×	1.2×-0.1×	1.3×+0.1×
Dividend yield	3.4%+0.3pp	3.3%+0.6pp	3.2%+0.2pp	3.1%-0.3pp	3.1%-0.2pp

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Where do NBT Bancorp's ratios come from?: Every ratio is computed from NBT Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.