NBT Bancorp NBTB Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 25.3%+1.0pp | 24.3%+1.6pp | 22.7%+1.2pp | 21.4%-2.8pp | 24.3%-0.1pp | |
| Free cash flow margin | 31.5%+0.1pp | 31.4%+0.8pp | 30.6%+2.4pp | 28.3%-2.3pp | 30.6%-0.1pp | |
| Returns | ||||||
| Return on equity | 10.6%+0.7pp | 9.9%+1.0pp | 8.9%+0.7pp | 8.2%-1.4pp | 9.5%0.0pp | |
| Return on assets | 1.2%+0.1pp | 1.1%+0.1pp | 1%+0.1pp | 0.9%-0.1pp | 1.1%0.0pp | |
| 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× | 0.1×0.0× | 0.1×0.0× | 0.1×-0.1× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | ||||||
| Book value per share | $36.73— | —— | $35.35-1.0% | $35.69+7.7% | $33.14— | |
| Valuation | ||||||
| Market capitalization | $2.22B+2.3% | $2.17B-0.7% | $2.19B+1.6% | $2.15B+6.2% | $2.03B-10.0% | |
| Enterprise value | $1.62B-12.9% | $1.87B+10.7% | $1.69B-2.2% | $1.72B-7.2% | $1.86B-14.0% | |
| Price / earnings | 12.1×-0.7× | 12.8×-1.8× | 14.6×-1.5× | 16.1×+2.0× | 14.1×-1.9× | |
| Price / sales | 3.1×-0.1× | 3.1×-0.2× | 3.3×-0.2× | 3.5×0.0× | 3.4×-0.5× | |
| Price / book | 1.2×0.0× | 1.1×0.0× | 1.2×0.0× | 1.2×-0.1× | 1.3×-0.2× | |
| EV / sales | 2.2×-0.4× | 2.7×+0.1× | 2.6×-0.2× | 2.8×-0.4× | 3.1×-0.6× | |
| Free cash flow yield | 10.3%+0.2pp | 10.1%+0.8pp | 9.2%+1.1pp | 8.2%-0.8pp | 8.9%+1.1pp | |
| Earnings yield | 8.3%+0.5pp | 7.8%+0.9pp | 6.8%+0.7pp | 6.2%-0.9pp | 7.1%+0.8pp | |
| Dividend yield | 3.4%+0.1pp | 3.3%+0.2pp | 3.2%+0.1pp | 3.1%-0.1pp | 3.1%+0.4pp | |
| PEG ratio | 0.4×-0.2× | 0.6×-0.7× | 1.3×-0.3× | 1.7×+1.0× | 0.7×-0.2× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
