Nbt Bancorp Ratios (2016-2025) | NBTB

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Ratios	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
EBT Margin (Quarter)	43.93%	44.13%	41.08%	38.08%	40.87%	37.71%	38.34%	34.87%	34.19%	31.97%	23.46%	28.90%	30.74%	29.86%	33.08%	30.69%	30.53%	17.94%	38.60%	37.62%
EBIT Margin (Quarter)	48.46%	48.24%	44.93%	41.35%	44.00%	40.72%	41.94%	41.89%	49.31%	57.98%	54.69%	66.49%	67.57%	68.02%	70.09%	65.46%	61.03%	49.12%	68.59%	66.30%
EBITDA Margin (Quarter)	52.92%	52.87%	49.65%	45.79%	44.00%	40.72%	41.94%	41.89%	49.31%	57.98%	54.69%	66.49%	67.57%	68.02%	70.09%	65.46%	61.03%	49.12%	68.59%	66.30%
Net Margin (Quarter)	34.32%	34.01%	31.72%	29.54%	31.81%	29.23%	29.60%	12.15%	26.61%	24.83%	18.21%	22.12%	24.06%	23.30%	25.84%	45.38%	23.76%	13.15%	29.27%	29.96%
FCF Margin (Quarter)	35.66%	43.17%	33.26%	15.56%	27.72%	52.41%	35.66%	20.50%	16.17%	36.19%	37.87%	23.78%	24.42%	35.00%	32.44%	30.66%	24.76%	25.79%	39.96%	33.55%
Efficiency
Assets Average (Quarter)	11.24B	11.56B	11.78B	12.00B	12.08B	11.93B	11.68B	11.69B	11.79B	11.87B	12.86B	13.57B	13.37B	13.47B	13.67B	13.81B	13.83B	14.94B	16.06B	16.05B
Equity Average (Quarter)	1.19B	1.21B	1.23B	1.25B	1.23B	1.20B	1.17B	1.17B	1.19B	1.21B	1.29B	1.39B	1.43B	1.45B	1.49B	1.52B	1.55B	1.69B	1.83B	1.87B
Invested Capital (Quarter)	1.29B	1.32B	1.34B	1.35B	1.27B	1.25B	1.23B	1.19B	1.69B	1.86B	1.85B	1.72B	1.71B	1.69B	1.73B	1.65B	1.65B	1.92B	1.99B	1.92B
Asset Utilization Ratio (Quarter)	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Leverage & Solvency
Interest Coverage Ratio (Quarter)	10.71	11.75	11.68	12.66	14.05	13.50	11.66	5.97	3.26	2.23	1.75	1.77	1.83	1.78	1.89	1.88	2.00	1.58	2.29	2.31
Debt to Equity (Quarter)	0.16	0.16	0.16	0.08	0.14	0.14	0.15	0.13	0.47	0.62	0.43	0.28	0.27	0.24	0.21	0.19	0.13	0.14	0.14	0.14
Debt Ratio (Quarter)	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.05	0.06	0.04	0.03	0.03	0.03	0.02	0.02	0.01	0.02	0.02	0.02
Equity Ratio (Quarter)	0.10	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.12	0.12
Times Interest Earned (Quarter)	10.71	11.75	11.68	12.66	14.05	13.50	11.66	5.97	3.26	2.23	1.75	1.77	1.83	1.78	1.89	1.88	2.00	1.58	2.29	2.31
Dividends & Payouts
FCF Payout Ratio (Quarter)	0.28	0.23	0.31	0.62	0.35	0.18	0.27	0.47	0.63	0.29	0.29	0.46	0.44	0.31	0.34	0.35	0.42	0.40	0.26	0.31
Valuation
Enterprise Value (Quarter)	-0.03B	-0.03B	-0.03B	-0.11B	-0.03B	-0.03B	-0.03B	-0.15B	-0.03B	-0.03B	-0.04B	-0.20B	-0.04B	-0.04B		-0.19B				-0.09B
Return Ratios
Return on Sales (Quarter)	0.34%	0.34%	0.32%	0.30%	0.32%	0.29%	0.30%	0.12%	0.27%	0.25%	0.18%	0.22%	0.24%	0.23%	0.26%	0.45%	0.24%	0.13%	0.29%	0.30%
Return on Invested Capital (Quarter)	0.12%	0.13%	0.13%	0.13%	0.13%	0.13%	0.13%	0.12%	0.11%	0.09%	0.09%	0.13%	0.15%	0.16%	0.18%	0.22%	0.23%	0.20%	0.19%	0.17%
Return on Assets (Quarter)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Return on Equity (Quarter)	0.11%	0.12%	0.12%	0.12%	0.13%	0.13%	0.13%	0.11%	0.11%	0.10%	0.08%	0.09%	0.08%	0.08%	0.09%	0.11%	0.11%	0.10%	0.10%	0.09%

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Nbt Bancorp Ratios (2016-2025) | NBTB

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