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

Simplified Detailed

	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
Returns
Return on equity	9.9%+0.4pp	9.5%+0.4pp	9.1%-3.4pp	12.5%-0.2pp
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×
Valuation
Market capitalization	$2.17B-3.6%	$2.25B+14.1%	$1.97B+6.1%	$1.86B+11.4%
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×
Dividend yield	3.3%+0.6pp	2.8%-0.1pp	2.8%+0.2pp	2.7%-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.