NBT Bancorp NBTB Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 24.3%-0.1pp | 24.4%+1.6pp | 22.8%-6.5pp | 29.4%-3.0pp | |
| Free cash flow margin | 31.4%+0.8pp | 30.6%+2.2pp | 28.5%-5.6pp | 34%+2.4pp | |
| Returns | |||||
| Return on equity | 9.9%+0.4pp | 9.5%+0.4pp | 9.1%-3.4pp | 12.5%-0.2pp | |
| Return on assets | 1.1%+0.1pp | 1%+0.1pp | 0.9%-0.3pp | 1.3%-0.1pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.1×0.0× | 0.1×-0.2× | 0.3×-0.2× | 0.5×+0.4× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0.1×0.0× | |
| Valuation | |||||
| Market capitalization | $2.17B-3.6% | $2.25B+14.1% | $1.97B+6.1% | $1.86B+11.4% | |
| Enterprise value | $1.87B-13.7% | $2.16B-1.0% | $2.18B-3.9% | $2.27B+332% | |
| Price / earnings | 12.8×-3.2× | 16×-0.6× | 16.6×+4.4× | 12.2×+1.5× | |
| Price / sales | 3.1×-0.8× | 3.9×+0.1× | 3.8×+0.2× | 3.6×+0.1× | |
| Price / book | 1.1×-0.3× | 1.5×+0.1× | 1.4×-0.2× | 1.6×+0.2× | |
| EV / sales | 2.7×-1.1× | 3.7×-0.4× | 4.2×-0.2× | 4.4×+3.3× | |
| Free cash flow yield | 10.1%+2.2pp | 7.8%+0.3pp | 7.5%-2.0pp | 9.5%+0.4pp | |
| Earnings yield | 7.8%+1.5pp | 6.2%+0.2pp | 6%-2.2pp | 8.2%-1.1pp | |
| Dividend yield | 3.3%+0.6pp | 2.8%-0.1pp | 2.8%+0.2pp | 2.7%-0.2pp | |
| PEG ratio | 0.6×-0.2× | 0.9×— | —— | —— |
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.
