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 equity
NBT Bancorp Inc.'s return on equity over the twelve months to 30 September 2026 was 0.00%, down 9.9 percentage points from fiscal 2025 (9.89%). Over the past ten years it has ranged from 8.73% (fiscal 2016) to 12.7% (fiscal 2021); the current reading is higher than 64% of that period. That is below the Banks Regional industry median of 10.3% and below the Financial sector median of 9.01%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 9.89% | 0.36 |
| FY2024 | 9.53% | 0.39 |
| FY2023 | 9.14% | (3.40) |
| FY2022 | 12.5% | (0.17) |
| FY2021 | 12.7% | 3.66 |
| FY2020 | 9.05% | (2.27) |
| FY2019 | 11.3% | (0.07) |
| FY2018 | 11.4% | 2.61 |
| FY2017 | 8.78% | 0.05 |
| FY2016 | 8.73% | (0.02) |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| BOH Bank of Hawaii Corporation compare | 15.4% |
| CUBI Customers Bancorp, Inc compare | 13.7% |
| FBK FB Financial Corporation compare | 11.9% |
| TRMK Trustmark Corporation compare | 11.2% |
| BANR Banner Corporation compare | 10.0% |
| FBNC First Bancorp compare | 9.85% |
| BBT Beacon Financial Corporation compare | 9.13% |
| NBTB NBT Bancorp Inc. | 0.00% |
| BANC Banc of California, Inc. compare | −1.68% |
| Banks Regional industry median | 10.3% |
| Financial sector median | 9.01% |
| Market median | 0.51% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (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 assets
- 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