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NBT Bancorp NBTB Return on assets

Return on assets at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
1.3%-0.1pp
M&T Bank logo
M&T BankMTB
1.4%+0.1pp
KeyCorp logo
KeyCorpKEY
1%+1.0pp
Community Financial System logo
Community Financial SystemCBU
1.3%+0.1pp
Nicolet Bankshares logo
Nicolet BanksharesNIC
1.1%-0.4pp
Old National Bancorp logo
Old National BancorpONB
1.2%+0.1pp

Other financials

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%
Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp
Debt / equity0.1×0.0×

Where this comes from

Calculated from NBT Bancorp’s reported figures.

Based on trailing twelve months.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's return on assets?
NBT Bancorp (NBTB) reported return on assets of 1.2% in Q1 2026.
How has NBT Bancorp's return on assets changed year-over-year?
NBT Bancorp's return on assets increased by 16.1% year-over-year, from 1.1% to 1.2%.
What is the long-term trend for NBT Bancorp's return on assets?
Over 5 years (2020 to 2025), NBT Bancorp's return on assets has grown at a 2.4% compound annual growth rate (CAGR), from 1% to 1.1%.
What does return on assets mean?
Trailing-twelve-month net income divided by average total assets. Measures how efficiently the asset base generates profit, independent of how those assets are financed. Computed as net income over average total assets — note this is OpenCapital's standard definition and may differ from data vendors that use alternative numerators.