stockrowNBT 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
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NBT Bancorp Inc. (NBTB) Return on assets
NBT Bancorp Inc.'s return on assets over the twelve months to 30 September 2026 was 1.34%, up 0.2 percentage points from fiscal 2025 (1.14%). Over the past ten years it has ranged from 0.91% (fiscal 2017) to 1.35% (fiscal 2021); the current reading is higher than 64% of that period. That is above the Banks Regional industry median of 1.13% and above the Financial sector median of 1.15%.
Return on assets, annual
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Annual newest first
| Period | Return on assets | Change (points) |
|---|---|---|
| FY2025 | 1.14% | 0.10 |
| FY2024 | 1.04% | 0.09 |
| FY2023 | 0.95% | (0.33) |
| FY2022 | 1.28% | (0.07) |
| FY2021 | 1.35% | 0.34 |
| FY2020 | 1.01% | (0.25) |
| FY2019 | 1.26% | 0.06 |
| FY2018 | 1.20% | 0.29 |
| FY2017 | 0.91% | (0.01) |
| FY2016 | 0.92% | (0.03) |
Against its own ten years
Return on assets against peers
| Company | Return on assets |
|---|---|
| FBK FB Financial Corporation compare | 1.40% |
| NBTB NBT Bancorp Inc. | 1.34% |
| FBNC First Bancorp compare | 1.26% |
| TRMK Trustmark Corporation compare | 1.24% |
| BANR Banner Corporation compare | 1.17% |
| CUBI Customers Bancorp, Inc compare | 1.12% |
| BBT Beacon Financial Corporation compare | 1.01% |
| BOH Bank of Hawaii Corporation compare | 0.94% |
| BANC Banc of California, Inc. compare | −0.14% |
| Banks Regional industry median | 1.13% |
| Financial sector median | 1.15% |
| Market median | 0.00% |
What Return on assets is
ROA tells an investor how much profit a company earns for shareholders from the assets it uses to run its business.
Annual: Net Income Allotted to Shareholders ÷ Average Assets; TTM: Net Income Allotted to Shareholders ÷ Average Assets (latest quarter)
More on NBTB
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement