NBT Bancorp (NBTB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), NBT Bancorp had a P/E ratio of 12.84 (down from 16.02), return on equity of 9.9% (up from 9.5%), debt-to-equity of 0.23 (down from 0.36) and return on assets of 1.1% (up from 1.0%). Its dividend yield was 3.41% with a payout ratio of 42.9%.

NBT Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.84	16.02	16.61	12.24	10.78	13.41
Forward P/E	10.11	14.77	13.62	11.94	12.70	12.26
P/S Ratio	3.27	4.04	4.02	3.72	3.43	3.41
P/B Ratio	1.15	1.48	1.38	1.59	1.33	1.18
Price/Tangible Book	1.57	2.00	1.93	2.10	1.74	1.56
Price/FCF	9.92	12.74	13.32	10.56	11.03	10.21
Price/OCF	9.23	11.95	12.53	10.16	10.49	9.64
PEG Ratio	0.95	0.95	0.95	0.95	0.95	2.79
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.89%	9.53%	9.14%	12.54%	12.71%	9.05%
Return on Assets (ROA)	1.14%	1.04%	0.95%	1.28%	1.35%	1.01%
Leverage & Solvency Ratios
Debt/Equity	0.23	0.36	0.53	0.79	0.32	0.46
Debt/FCF	1.96	3.11	5.14	5.28	2.64	4.00
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.79%	6.24%	6.02%	8.17%	9.28%	7.45%
FCF Yield	10.08%	7.85%	7.51%	9.47%	9.07%	9.79%
Dividend Yield	3.41%	2.77%	2.96%	2.67%	2.84%	3.94%
Payout Ratio	42.90%	44.27%	47.05%	32.74%	30.82%	45.22%
Buyback Yield	-7.26%	-5.95%	-3.68%	1.23%	0.61%	0.31%
Total Return	-3.84%	-3.18%	-0.72%	3.90%	3.46%	4.24%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About NBT Bancorp Financial Ratios

What is NBT Bancorp's P/E ratio?

NBT Bancorp's P/E ratio was 12.84 for fiscal 2025 (period ended Dec 31, 2025). It was 16.02 a year earlier.

What is NBT Bancorp's return on equity?

NBT Bancorp's return on equity (ROE) was 9.9% for fiscal 2025 (period ended Dec 31, 2025). It was 9.5% a year earlier.

What is NBT Bancorp's debt-to-equity ratio?

NBT Bancorp's debt-to-equity ratio was 0.23 for fiscal 2025 (period ended Dec 31, 2025). It was 0.36 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition