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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioInterest Coverage RatioInvested CapitalNet MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Nbt Bancorp (NBTB) Times Interest Earned (2016 - 2025)

Nbt Bancorp (NBTB) has disclosed Times Interest Earned for 10 consecutive years, with $2.31 as the latest value for Q4 2025.

  • Quarterly Times Interest Earned rose 22.76% to $2.31 in Q4 2025 from the year-ago period, while the trailing twelve-month figure was $2.05 through Dec 2025, up 10.77% year-over-year, with the annual reading at $0.22 for FY2025, 23.51% up from the prior year.
  • Times Interest Earned hit $2.31 in Q4 2025 for Nbt Bancorp, up from $2.29 in the prior quarter.
  • In the past five years, Times Interest Earned ranged from a high of $14.05 in Q1 2022 to a low of $1.58 in Q2 2025.
  • Historically, Times Interest Earned has averaged $5.83 across 5 years, with a median of $2.3 in 2025.
  • Biggest five-year swings in Times Interest Earned: soared 438.28% in 2021 and later plummeted 84.98% in 2023.
  • Year by year, Times Interest Earned stood at $12.66 in 2021, then tumbled by 52.83% to $5.97 in 2022, then crashed by 70.37% to $1.77 in 2023, then grew by 6.45% to $1.88 in 2024, then rose by 22.76% to $2.31 in 2025.
  • Business Quant data shows Times Interest Earned for NBTB at $2.31 in Q4 2025, $2.29 in Q3 2025, and $1.58 in Q2 2025.