Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
NBT Bancorp Inc.'s quarterly P/E stands at 9.8x, down 37.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 34.0% YoY to 7.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.53 | 9.79 | 10.14 | 21.64 | 13.93 | 15.71 | 13.82 | 13.99 | 12.92 | 16.37 | 14.67 | 11.38 | 10.80 |
| — | -37.7% | -26.7% | +54.7% | +7.8% | -4.0% | -5.8% | +22.9% | +19.5% | +26.7% | +39.2% | +6.5% | +7.7% | |
| P/S Ratio | 2.71 | 2.29 | 2.06 | 2.18 | 2.51 | 2.84 | 2.61 | 2.37 | 2.27 | 2.63 | 2.03 | 2.26 | 2.51 |
| — | -19.5% | -21.0% | -7.7% | +10.9% | +8.3% | +28.1% | +4.7% | -9.8% | -20.2% | -32.4% | -26.1% | -19.0% | |
| P/B Ratio | 1.21 | 1.15 | 1.06 | 1.08 | 1.29 | 1.49 | 1.38 | 1.25 | 1.21 | 1.39 | 1.06 | 1.13 | 1.20 |
| — | -22.6% | -23.1% | -13.3% | +7.1% | +6.8% | +30.7% | +10.3% | +0.5% | -12.8% | -25.4% | -16.7% | -8.0% | |
| P/FCF | 10.75 | 8.78 | 6.61 | 9.75 | 13.19 | 12.46 | 10.98 | 9.31 | 12.66 | 15.16 | 7.03 | 7.83 | 17.77 |
| — | -29.5% | -39.7% | +4.8% | +4.2% | -17.8% | +56.2% | +18.8% | -28.8% | -11.2% | -19.3% | +31.0% | +54.6% | |
| EV / EBITDA | 10.35 | 7.55 | 5.47 | 11.68 | 9.59 | 11.44 | 9.32 | 10.75 | 9.66 | 12.96 | 9.98 | 11.83 | 10.04 |
| — | -34.0% | -41.3% | +8.6% | -0.8% | -11.8% | -6.6% | -9.1% | -3.7% | +8.3% | +38.5% | +85.8% | +193.6% | |
| EV / EBIT | 11.37 | 7.84 | 5.73 | 14.88 | 11.01 | 13.17 | 10.63 | 12.51 | 11.20 | 15.19 | 11.88 | 13.25 | 11.14 |
| — | -40.4% | -46.1% | +18.9% | -1.7% | -13.3% | -10.5% | -5.6% | +0.6% | +15.1% | +50.6% | +89.6% | +197.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
NBT Bancorp Inc.'s operating margin was 29.3% in Q4 2025, down 0.8 pp QoQ and up 6.4 pp YoY. The trailing four-quarter average of 24.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.1% | 76.1% | 76.6% | 68.2% | 72.8% | 73.0% | 71.5% | 67.7% | 70.1% | 69.9% | 69.0% | 76.9% | 84.1% |
| — | +4.3% | +7.2% | +0.8% | +3.8% | +4.5% | +3.6% | -12.0% | -16.6% | -20.6% | -26.0% | -18.0% | -12.8% | |
| Operating Margin | 25.3% | 29.3% | 30.1% | 13.7% | 23.5% | 22.8% | 24.2% | 21.7% | 22.5% | 21.1% | 17.9% | 25.5% | 29.9% |
| — | +28.1% | +24.2% | -36.8% | +4.2% | +8.4% | +35.0% | -14.9% | -24.6% | -35.8% | -51.7% | -30.8% | -24.8% | |
| Net Margin | 19.5% | 23.3% | 22.8% | 10.0% | 18.3% | 18.0% | 18.9% | 16.9% | 17.6% | 16.1% | 13.9% | 19.8% | 23.3% |
| — | +29.1% | +20.6% | -40.6% | +3.6% | +12.0% | +35.9% | -14.5% | -24.2% | -36.5% | -51.5% | -30.6% | -24.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 3.0% | 3.0% | 1.3% | 2.4% | 2.4% | 2.6% | 2.3% | 2.4% | 2.2% | 1.9% | 2.5% | 2.8% |
| — | +25.3% | +16.6% | -40.7% | +0.7% | +8.2% | +33.5% | -9.2% | -16.4% | -29.6% | -42.5% | -21.4% | -11.5% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% |
| — | +32.6% | +21.7% | -38.0% | +5.1% | +16.2% | +45.6% | -4.1% | -11.4% | -27.4% | -42.6% | -19.9% | -11.9% | |
| ROIC | 7.9% | 2.5% | 2.5% | 1.1% | 1.9% | 1.7% | 1.9% | 1.6% | 1.6% | 1.4% | 1.1% | 1.5% | 1.7% |
| — | +40.8% | +31.4% | -30.3% | +15.1% | +21.7% | +64.8% | +11.2% | -3.7% | -30.5% | -56.7% | -41.8% | -32.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
NBT Bancorp Inc.'s Debt/EBITDA ratio is 2.6x, down from 4.2x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 4361.0% YoY to 1.60x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.10 | 0.17 | 0.23 | 0.20 | 0.27 | 0.30 | 0.33 | 0.36 | 0.45 | 0.54 | 0.73 | 0.58 |
| — | -62.9% | -42.6% | -30.0% | -44.4% | -39.2% | -44.8% | -55.2% | -38.1% | -33.4% | +126.2% | +225.3% | +150.3% | |
| Debt / EBITDA | 1.36 | 2.64 | 4.24 | 10.52 | 5.77 | 7.91 | 8.21 | 9.76 | 10.34 | 13.67 | 19.63 | 20.30 | 14.65 |
| — | -66.6% | -48.3% | +7.8% | -44.2% | -42.1% | -58.2% | -51.9% | -29.4% | -10.7% | +290.3% | +308.6% | +189.1% | |
| Current Ratio | 1.60 | 1.60 | 0.06 | 0.05 | 0.04 | 0.04 | 0.17 | 0.14 | 0.15 | 0.14 | 0.17 | 0.16 | 0.17 |
| — | +4361.0% | -65.4% | -62.9% | -75.5% | -75.1% | -3.1% | -11.9% | -11.6% | -15.8% | -7.3% | -23.4% | -34.5% | |
| Quick Ratio | 1.60 | 1.60 | 0.06 | 0.05 | 0.04 | 0.04 | 0.17 | 0.14 | 0.15 | 0.14 | 0.17 | 0.16 | 0.17 |
| — | +4361.0% | -65.4% | -62.9% | -75.5% | -75.1% | -3.1% | -11.9% | -11.6% | -15.8% | -7.3% | -23.4% | -34.5% | |
| Interest Coverage | 1.05 | 1.31 | 1.29 | 0.58 | 1.00 | 0.88 | 0.89 | 0.78 | 0.83 | 0.77 | 0.75 | 1.23 | 2.26 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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NBT Bancorp Inc.'s current P/E is 13.5x. The average P/E over the last 4 quarters is 13.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
NBT Bancorp Inc.'s current operating margin is 25.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking NBT Bancorp Inc.'s business trajectory between earnings reports.