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%

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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

NBT Bancorp Inc. (NBTB) P/B ratio

Alert me on P/B ratio

As of 5 November 2026, NBT Bancorp Inc. (NBTB) trades at a P/B ratio of 1.4×. Over the past ten years it has ranged from 1.0× (November 2020) to 2.0× (December 2016); the current reading is higher than 56% of that period. That is above the Banks Regional industry median of 1.2× and above the Financial sector median of 1.3×.

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<iframe src="https://stockrow.com/embed/NBTB/pb-ratio" width="100%" height="360" style="border:0" loading="lazy" title="NBT Bancorp Inc. P/B ratio, 10 years"></iframe>
<p style="font-size:12px">Source: <a href="https://stockrow.com/NBTB/metrics/pb-ratio">NBT Bancorp Inc. (NBTB) P/B ratio — stockrow.com</a></p>

Period	P/B ratio	Change
FY2025	1.1×	(24.86%)
FY2024	1.5×	11.99%
FY2023	1.3×	(15.87%)
FY2022	1.6×	17.13%
FY2021	1.3×	13.26%
FY2020	1.2×	(25.55%)
FY2019	1.6×	6.81%
FY2018	1.5×	(11.10%)
FY2017	1.7×	(15.94%)
FY2016	2.0×	43.42%

Period	P/B ratio	Change
Sep 2026	1.3×	1.26%
Jun 2026	1.3×	13.88%
Mar 2026	1.2×	4.53%
Dec 2025	1.1×	(6.12%)
43 more quarters	Free account

Against its own ten years

Low 1.0× High 2.0×

Ten-year median 1.4×

Current reading's percentile 53

Company	P/B ratio
BANC Banc of California, Inc. compare	1.0×
BBT Beacon Financial Corporation compare	1.0×
BANR Banner Corporation compare	1.1×
TRMK Trustmark Corporation compare	1.2×
CUBI Customers Bancorp, Inc compare	1.3×
FBK FB Financial Corporation compare	1.4×
NBTB NBT Bancorp Inc.	1.4×
FBNC First Bancorp compare	1.6×
BOH Bank of Hawaii Corporation compare	1.9×
Banks Regional industry median	1.2×
Financial sector median	1.3×
Market median	1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

NBT Bancorp Inc. (NBTB) P/B ratio

P/B ratio, daily

Annual newest first

Quarterly newest first

Against its own ten years

P/B ratio against peers

What P/B ratio is

More on NBTB

P/B ratio, daily

Annual newest first

Quarterly newest first

Against its own ten years

P/B ratio against peers

What P/B ratio is

More on NBTB

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