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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) FCF Margin (2016 - 2025)

Nbt Bancorp (NBTB) has disclosed FCF Margin for 10 consecutive years, with 33.55% as the latest value for Q4 2025.

  • Quarterly FCF Margin rose 289.0% to 33.55% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 31.41% through Dec 2025, up 76.0% year-over-year, with the annual reading at 119.66% for FY2025, 1295.0% up from the prior year.
  • FCF Margin hit 33.55% in Q4 2025 for Nbt Bancorp, down from 39.96% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 52.41% in Q2 2022 to a low of 15.56% in Q4 2021.
  • Historically, FCF Margin has averaged 31.23% across 5 years, with a median of 32.85% in 2021.
  • Biggest five-year swings in FCF Margin: skyrocketed 1209bps in 2021 and later plummeted -1622bps in 2023.
  • Year by year, FCF Margin stood at 15.56% in 2021, then surged by 32bps to 20.5% in 2022, then grew by 16bps to 23.78% in 2023, then increased by 29bps to 30.66% in 2024, then rose by 9bps to 33.55% in 2025.
  • Business Quant data shows FCF Margin for NBTB at 33.55% in Q4 2025, 39.96% in Q3 2025, and 25.79% in Q2 2025.