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Friday 6 November 2026 Export NBTB’s income statement to Excel — free account

NBT Bancorp Inc.

NBTB Financial Banks Regional

NBT Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $906.5 million, up 15.0% from fiscal 2024.

Revenue
+1.43%
EPS
+7.69%
Free cash flow
+37.1%
Total debt
−14.3%

Quarter to September 2026, against a year earlier

52.91 1.09 −2.02%
Market cap
$2.8B
P/E
12.7×
Fwd P/E
12.4×
Dividend yield
2.85%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

NBT Bancorp Inc. (NBTB) Current ratio

Alert me on Current ratio

NBT Bancorp Inc.'s current ratio at the end of the quarter to 30 September 2026 was 0.9×, down 0.0× from fiscal 2025 (0.9×). Over the past ten years it has ranged from 0.8× (fiscal 2022) to 0.9× (fiscal 2019); the current reading is higher than 91% of that period. That is below the Banks Regional industry median of 0.9× and below the Financial sector median of 1.0×.

Current ratio, annual

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Annual newest first

Period Current ratio Change
FY2025 0.9× 1.03%
FY2024 0.9× 0.98%
FY2023 0.9× 4.90%
FY2022 0.8× (2.57%)
FY2021 0.8× (3.66%)
FY2020 0.9× (1.47%)
FY2019 0.9× 4.08%
FY2018 0.8× 0.28%
FY2017 0.8× 3.13%
FY2016 0.8× (2.98%)

Quarterly newest first

Period Current ratio Change
Sep 2026 0.9× (0.20%)
Jun 2026 0.9× (0.75%)
Mar 2026 0.9× (0.08%)
Dec 2025 0.9× (0.16%)
43 more quarters

Against its own ten years

Low 0.8× High 0.9×
Ten-year median 0.8×
Current reading's percentile 91

Current ratio against peers

Company Current ratio
BBT Beacon Financial Corporation compare 1.0×
CUBI Customers Bancorp, Inc compare 1.0×
FBK FB Financial Corporation compare 0.9×
TRMK Trustmark Corporation compare 0.9×
BANC Banc of California, Inc. compare 0.9×
NBTB NBT Bancorp Inc. 0.9×
BANR Banner Corporation compare 0.9×
FBNC First Bancorp compare 0.9×
BOH Bank of Hawaii Corporation compare 0.7×
Banks Regional industry median 0.9×
Financial sector median 1.0×
Market median 1.6×

What Current ratio is

Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.

Current Assets (Total) ÷ Current Liabilities (Total)

The full definition of Current ratio →

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