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

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM 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
Returns
Return on equity	10.6%+0.7pp	9.9%+1.0pp	8.9%+0.7pp	8.2%-1.4pp	9.5%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×
Valuation
Market capitalization	$2.22B+2.3%	$2.17B-0.7%	$2.19B+1.6%	$2.15B+6.2%	$2.03B-10.0%
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×
Dividend yield	3.4%+0.1pp	3.3%+0.2pp	3.2%+0.1pp	3.1%-0.1pp	3.1%+0.4pp

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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.