Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.68 | 11.30 | 12.22 | 10.86 | 9.79 | 10.14 | 21.64 | 13.93 | 15.71 | 13.82 | 13.99 | 12.92 | 16.37 | 14.67 | 11.38 | 10.80 | 12.92 | 10.54 | 10.68 | 10.04 | 11.20 |
| — | +11.5% | -43.5% | -22.0% | -37.7% | -26.7% | +54.7% | +7.8% | -4.0% | -5.8% | +22.9% | +19.5% | +26.7% | +39.2% | +6.5% | +7.7% | +15.4% | +0.4% | +9.3% | -8.4% | +8.8% | |
| P/S Ratio | 3.66 | 3.36 | 3.46 | 3.02 | 2.94 | 2.69 | 2.87 | 3.28 | 3.84 | 3.57 | 3.27 | 3.10 | 3.62 | 2.67 | 2.85 | 2.89 | 3.52 | 3.12 | 3.15 | 3.20 | 3.35 |
| — | +25.0% | +20.7% | -7.9% | -23.2% | -24.8% | -12.4% | +5.7% | +6.0% | +33.7% | +14.8% | +7.2% | +2.7% | -14.3% | -9.5% | -9.5% | +5.2% | -7.1% | -5.7% | -15.7% | +11.3% | |
| P/B Ratio | 1.42 | 1.35 | 1.33 | 1.16 | 1.15 | 1.06 | 1.08 | 1.29 | 1.49 | 1.38 | 1.25 | 1.21 | 1.39 | 1.06 | 1.13 | 1.20 | 1.60 | 1.41 | 1.36 | 1.30 | 1.34 |
| — | +27.1% | +22.6% | -9.8% | -22.6% | -23.1% | -13.3% | +7.1% | +6.8% | +30.7% | +10.3% | +0.5% | -12.8% | -25.4% | -16.7% | -8.0% | +18.9% | +11.4% | +6.0% | -11.3% | +12.9% | |
| P/FCF | 10.85 | 7.98 | 10.68 | 11.46 | 8.78 | 6.61 | 9.75 | 13.19 | 12.46 | 10.98 | 9.31 | 12.66 | 15.16 | 7.03 | 7.83 | 17.77 | 17.07 | 8.71 | 5.98 | 11.49 | 21.35 |
| — | +20.6% | +9.5% | -13.1% | -29.5% | -39.7% | +4.8% | +4.2% | -17.8% | +56.2% | +18.8% | -28.8% | -11.2% | -19.3% | +31.0% | +54.6% | -20.1% | -13.2% | -22.4% | +8.7% | +89.8% | |
| EV / EBITDA | 8.05 | 5.66 | 9.18 | 7.39 | 6.94 | 5.09 | 11.68 | 9.59 | 11.44 | 9.32 | 10.75 | 9.66 | 12.96 | 9.98 | 11.83 | 10.04 | 11.97 | 7.21 | 6.36 | 3.42 | 3.40 |
| — | +11.3% | -21.4% | -22.9% | -39.3% | -45.4% | +8.6% | -0.8% | -11.8% | -6.6% | -9.1% | -3.7% | +8.3% | +38.5% | +85.8% | +193.6% | +252.6% | +183.2% | +79.3% | -15.3% | -42.3% | |
| EV / EBIT | 13.17 | 5.66 | 10.38 | 8.39 | 7.84 | 5.73 | 14.88 | 11.01 | 13.17 | 10.63 | 12.51 | 11.20 | 15.19 | 11.88 | 13.25 | 11.14 | 13.19 | 7.89 | 6.99 | 3.74 | 3.75 |
| — | -1.2% | -30.2% | -23.8% | -40.4% | -46.1% | +18.9% | -1.7% | -13.3% | -10.5% | -5.6% | +0.6% | +15.1% | +50.6% | +89.6% | +197.9% | +252.1% | +181.7% | +79.9% | -15.7% | -42.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.1% | 98.1% | 96.7% | 97.0% | 98.0% | 100.0% | 89.5% | 95.1% | 98.5% | 98.0% | 93.6% | 96.0% | 96.3% | 90.6% | 97.0% | 96.9% | 94.2% | 96.6% | 96.6% | 99.5% | 97.5% |
| — | -1.9% | +8.0% | +2.0% | -0.5% | +2.0% | -4.4% | -1.0% | +2.3% | +8.2% | -3.5% | -0.9% | +2.2% | -6.2% | +0.4% | -2.6% | -3.4% | -6.1% | -7.5% | -2.8% | -3.0% | |
| Operating Margin | 33.4% | 39.0% | 37.0% | 36.1% | 37.6% | 39.3% | 18.0% | 30.7% | 30.8% | 33.2% | 30.0% | 30.9% | 29.0% | 23.6% | 32.2% | 34.4% | 35.1% | 38.5% | 37.9% | 41.0% | 38.4% |
| — | -0.6% | +105.8% | +17.9% | +22.2% | +18.2% | -40.0% | -0.7% | +6.2% | +41.0% | -6.7% | -10.3% | -17.4% | -38.8% | -15.2% | -16.0% | -8.5% | -6.8% | -14.5% | -7.2% | +3.2% | |
| Net Margin | 25.7% | 29.8% | 28.4% | 27.7% | 30.0% | 29.8% | 13.2% | 23.9% | 24.4% | 25.9% | 23.4% | 24.2% | 22.2% | 18.3% | 25.0% | 26.8% | 27.2% | 29.7% | 29.4% | 31.9% | 29.8% |
| — | -0.1% | +115.4% | +16.2% | +23.1% | +14.8% | -43.7% | -1.2% | +9.7% | +41.8% | -6.2% | -9.8% | -18.3% | -38.5% | -15.1% | -16.0% | -8.7% | -6.8% | -14.0% | -7.5% | +2.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 3.0% | 2.7% | 2.7% | 3.0% | 3.0% | 1.3% | 2.4% | 2.4% | 2.6% | 2.3% | 2.4% | 2.2% | 1.9% | 2.5% | 2.8% | 3.1% | 3.3% | 3.2% | 3.2% | 3.0% |
| — | +0.3% | +105.8% | +12.9% | +25.3% | +16.6% | -40.7% | +0.7% | +8.2% | +33.5% | -9.2% | -16.4% | -29.6% | -42.5% | -21.4% | -11.5% | +3.5% | +9.5% | -5.3% | -4.8% | +3.1% | |
| ROA | 1.1% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +5.0% | +117.1% | +19.5% | +32.6% | +21.7% | -38.0% | +5.1% | +16.2% | +45.6% | -4.1% | -11.4% | -27.4% | -42.6% | -19.9% | -11.9% | -0.6% | +5.1% | -9.2% | -8.7% | -1.0% | |
| ROIC | 7.9% | 2.4% | 2.3% | 2.4% | 2.5% | 2.5% | 1.1% | 1.9% | 1.7% | 1.9% | 1.6% | 1.6% | 1.4% | 1.1% | 1.5% | 1.7% | 2.1% | 2.6% | 2.5% | 2.5% | 2.3% |
| — | -3.5% | +105.3% | +29.6% | +40.8% | +31.4% | -30.3% | +15.1% | +21.7% | +64.8% | +11.2% | -3.7% | -30.5% | -56.7% | -41.8% | -32.5% | -10.9% | +11.2% | -3.8% | +0.2% | +13.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.24 | 0.24 | 0.08 | 0.10 | 0.17 | 0.23 | 0.20 | 0.27 | 0.30 | 0.33 | 0.36 | 0.45 | 0.54 | 0.73 | 0.58 | 0.67 | 0.24 | 0.22 | 0.23 | 0.25 |
| — | +36.6% | +6.4% | -57.9% | -62.9% | -42.6% | -30.0% | -44.4% | -39.2% | -44.8% | -55.2% | -38.1% | -33.4% | +126.2% | +225.3% | +150.3% | +169.5% | -4.8% | -9.9% | -10.6% | -27.3% | |
| Debt / EBITDA | 1.29 | 3.62 | 6.03 | 2.12 | 2.43 | 3.95 | 10.52 | 5.77 | 7.91 | 8.21 | 9.76 | 10.34 | 13.67 | 19.63 | 20.30 | 14.65 | 15.31 | 5.03 | 4.97 | 5.07 | 5.87 |
| — | -8.3% | -42.6% | -63.2% | -69.3% | -51.9% | +7.8% | -44.2% | -42.1% | -58.2% | -51.9% | -29.4% | -10.7% | +290.3% | +308.6% | +189.1% | +160.9% | -14.4% | -6.5% | -8.0% | -29.8% | |
| Current Ratio | 1.60 | 0.52 | 0.59 | 1.29 | 1.60 | 0.06 | 0.05 | 0.04 | 0.04 | 0.17 | 0.14 | 0.15 | 0.14 | 0.17 | 0.16 | 0.17 | 0.17 | 0.19 | 0.21 | 0.26 | 0.29 |
| — | +790.2% | +1013.4% | +3358.0% | +4361.0% | -65.4% | -62.9% | -75.5% | -75.1% | -3.1% | -11.9% | -11.6% | -15.8% | -7.3% | -23.4% | -34.5% | -40.2% | -33.8% | -19.4% | +2.1% | +30.9% | |
| Quick Ratio | 1.60 | 0.52 | 0.59 | 1.29 | 1.60 | 0.06 | 0.05 | 0.04 | 0.04 | 0.17 | 0.14 | 0.15 | 0.14 | 0.17 | 0.16 | 0.17 | 0.17 | 0.19 | 0.21 | 0.26 | 0.29 |
| — | +790.2% | +1013.4% | +3358.0% | +4361.0% | -65.4% | -62.9% | -75.5% | -75.1% | -3.1% | -11.9% | -11.6% | -15.8% | -7.3% | -23.4% | -34.5% | -40.2% | -33.8% | -19.4% | +2.1% | +30.9% | |
| Interest Coverage | 1.05 | 2.51 | 1.42 | 1.38 | 1.31 | 1.29 | 0.58 | 1.00 | 0.88 | 0.89 | 0.78 | 0.83 | 0.77 | 0.75 | 1.23 | 2.26 | 4.97 | 10.66 | 12.50 | 13.05 | 11.66 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying NBTB stock.
NBT Bancorp Inc.'s current P/E is 12.7x. The average P/E over the last 4 quarters is 11.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
NBT Bancorp Inc.'s current operating margin is 33.4%. 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.