NBT Bancorp Inc

NAS:NBTBFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$51.58+1.78%At closeAt close · Wed 21 Oct · ≈ AED 189.43 · Market cap $2.68B · Next earnings Mon 26 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	83.0%	97.9%	92.7%	74.4%	70.6%	72.1%	—	—
Operating margin	27.1%	40.4%	36.5%	23.2%	22.8%	25.3%	25.3%	+0.0 pts
Net margin	21.2%	31.3%	28.3%	17.9%	17.9%	19.5%	19.5%	+0.0 pts
EBITDA margin	31.3%	44.4%	40.1%	26.5%	26.3%	27.8%	—	—
Return on equity	8.8%	12.4%	13.0%	8.3%	9.2%	8.9%	8.9%	+0.0 pts
Return on assets	1.0%	1.3%	1.3%	0.9%	1.0%	1.1%	1.1%	+0.0 pts
Return on capital employed	7.9%	11.9%	11.8%	7.9%	8.6%	1.4%	—	—
Debt / equity	0.3×	0.2×	0.7×	0.4×	0.3×	0.2×	0.2×	+0.0%
Debt / assets	3.7%	2.6%	6.7%	4.8%	3.0%	2.0%	—	—
Interest coverage	4.1×	10.6×	9.0×	1.1×	0.8×	1.0×	—	—
Current ratio	0.2×	0.3×	0.2×	0.1×	0.0×	1.6×	1.6×	+0.0%
Quick ratio	0.2×	0.3×	0.2×	0.1×	0.0×	1.6×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.0×	1.3×	1.3×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	—	—	—	—	—	16.7×	—	—
Dividend payout	45.2%	30.8%	32.7%	47.0%	44.3%	42.9%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.