Nbt Bancorp (NBTB) FCF Margin (2009 - 2026)
Nbt Bancorp (NBTB) recorded FCF Margin of 32.42% in Q2 2026, up 6.63 percentage points from 25.79% a year earlier and up 6.07 percentage points from the prior quarter.
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Analysis
Nbt Bancorp (NBTB) FCF Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Nbt Bancorp's FCF Margin came in at 33.08% as of Jun 30, 2026, up 4.81 percentage points year-over-year; for FY2025, it was 31.41%, up 0.76 percentage points from FY2024.
- Annual FCF Margin has a five-year change of +1.72 percentage points (FY2020 to FY2025).
- Across earlier years, FCF Margin came in at 30.65% in FY2024 (+2.17 pp), 28.48% in FY2023 (-5.55 pp), 34.03% in FY2022 (+2.41 pp) and 31.62% in FY2021 (+1.94 pp).
- Quarterly FCF Margin has ranged from 15.56% in Q4 2021 to 52.41% in Q2 2022 over the past five years.
- On a year-over-year basis, FCF Margin has increased for four consecutive quarters, with an average year-over-year change of +1.40 percentage points over the last eight quarters.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 9.25 percentage points in Q2 2022, against a drop of 16.22 percentage points in Q2 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 26.35% (Q1 2026), 33.55% (Q4 2025) and 39.96% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 189.34% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 19.57% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 40.54% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | - |
| 10 | Nbt Bancorp | 2.77 Bn | 2.49 Bn | - | 38.68% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 38.68% |
| Jun 30, 2026 | 32.58% |
| Mar 31, 2026 | 26.62% |
| Dec 31, 2025 | 32.95% |
| Sep 30, 2025 | 39.04% |
| Jun 30, 2025 | 24.86% |
| Mar 31, 2025 | 24.81% |
| Dec 31, 2024 | 28.87% |
| Sep 30, 2024 | 30.61% |
| Jun 30, 2024 | 32.59% |
| Mar 31, 2024 | 23.36% |
| Dec 31, 2023 | 21.69% |
| Sep 30, 2023 | 37.33% |
| Jun 30, 2023 | 36.35% |
| Mar 31, 2023 | 17.91% |
| Dec 31, 2022 | 25.14% |
| Sep 30, 2022 | 47.31% |
| Jun 30, 2022 | 74.04% |
| Mar 31, 2022 | 40.49% |
| Dec 31, 2021 | 22.00% |
API Access
Nbt Bancorp FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=NBTB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "NBTB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=NBTB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();