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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEquity 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)

Historic Net Margin for Nbt Bancorp (NBTB) over the last 10 years, with Q3 2025 value amounting to 29.27%.

  • Nbt Bancorp's Net Margin rose 34400.0% to 29.27% in Q3 2025 from the same period last year, while for Sep 2025 it was 22.67%, marking a year-over-year decrease of 11900.0%. This contributed to the annual value of 84.87% for FY2024, which is 28100.0% up from last year.
  • Nbt Bancorp's Net Margin amounted to 29.27% in Q3 2025, which was up 34400.0% from 13.15% recorded in Q2 2025.
  • In the past 5 years, Nbt Bancorp's Net Margin registered a high of 34.32% during Q1 2021, and its lowest value of 12.15% during Q4 2022.
  • Its 5-year average for Net Margin is 25.67%, with a median of 25.84% in 2024.
  • As far as peak fluctuations go, Nbt Bancorp's Net Margin soared by 251100bps in 2021, and later crashed by -173900bps in 2022.
  • Quarter analysis of 5 years shows Nbt Bancorp's 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 increased by 10bps to 24.24% in 2024, then rose by 21bps to 29.27% in 2025.
  • Its Net Margin was 29.27% in Q3 2025, compared to 13.15% in Q2 2025 and 23.76% in Q1 2025.