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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) Net Margin (2016 - 2025)

Nbt Bancorp (NBTB) has disclosed Net Margin for 10 consecutive years, with 29.96% as the latest value for Q4 2025.

  • Quarterly Net Margin fell 1542.0% to 29.96% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 24.27% through Dec 2025, down 555.0% year-over-year, with the annual reading at 92.48% for FY2025, 1134.0% down from the prior year.
  • Net Margin hit 29.96% in Q4 2025 for Nbt Bancorp, up from 29.27% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 45.38% in Q4 2024 to a low of 12.15% in Q4 2022.
  • Historically, Net Margin has averaged 26.94% across 5 years, with a median of 27.92% in 2022.
  • Biggest five-year swings in Net Margin: surged 2511bps in 2021 and later plummeted -1739bps in 2022.
  • Year by year, Net Margin stood at 29.54% in 2021, then plummeted by -59bps to 12.15% in 2022, then skyrocketed by 82bps to 22.12% in 2023, then soared by 105bps to 45.38% in 2024, then crashed by -34bps to 29.96% in 2025.
  • Business Quant data shows Net Margin for NBTB at 29.96% in Q4 2025, 29.27% in Q3 2025, and 13.15% in Q2 2025.