Company / Return on Equity (ROE)
NBT Bancorp, Inc. Return on Equity (ROE) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Equity (ROE)
8.9%
FY2025
5-year range
8.3% / 13.0%
FY2021-FY2025
Trend
-3.3%
vs FY2024
Sector context
#247 of 388
Financials
What the data says
At 8.9%, NBT Bancorp, Inc.'s return on equity (roe) ranks #247 of 388 in the Financials sector. Return on Equity (ROE) has fluctuated over the past 10 years, ranging from 8.3% in FY2023 to 13.0% in FY2022.
Based on SEC 10-K filings.
8.9% in FY2025 with a 5-year CAGR of +0.1%.
Improved from 8.3% to 8.9% over the past 2 years.
Financials sector context is included.
Return on Equity (ROE) over time
Growth rates
- 3-Year Change
- -4.0pp
- 5-Year Change
- +0.1pp
- 10-Year Change
- -
Sector benchmark
#247 of 388 in FinancialsTop 64% of 388This company 8.9% Sector average 16.4%
▼
-45.5% below sector average
Key checks
Key Insights
- In FY2025, return on equity (roe) decreased 3.3% year-over-year.
- Currently 7.4pp below the Financials sector average.
- Peak return on equity (roe) was recorded in FY2022.
- Lowest return on equity (roe) in the period was in FY2023.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Return on Equity (ROE)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 8.9% | -3.3% |
| FY2024 | 9.2% | +10.7% |
| FY2023 | 8.3% | -35.7% |
| FY2022 | 13.0% | +4.5% |
| FY2021 | 12.4% | +41.0% |
| FY2020 | 8.8% | -18.6% |
| FY2019 | 10.8% | -2.4% |
| FY2018 | 11.1% | +29.1% |
| FY2017 | 8.6% | -0.2% |
| FY2016 | 8.6% | -0.8% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026