What is NBT Bancorp's net margin?

NBT Bancorp (NBTB) reported net margin of 25.3% in Q1 2026.

How has NBT Bancorp's net margin changed year-over-year?

NBT Bancorp's net margin increased by 4.0% year-over-year, from 24.3% to 25.3%.

What is the long-term trend for NBT Bancorp's net margin?

Over 5 years (2020 to 2025), NBT Bancorp's net margin has grown at a 1.4% compound annual growth rate (CAGR), from 22.6% to 24.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

NBT Bancorp NBTB Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

M&T BankMTB

29.8%+1.5pp

KeyCorpKEY

25.4%+24.9pp

Community Financial SystemCBU

26.1%+1.1pp

Nicolet BanksharesNIC

30.5%-5.6pp

Old National BancorpONB

27.7%-1.5pp

Other financials

Income statement

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Revenue$184.5M+19.3%

Net income$51.1M+39.2%

EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%

Total debt$117.8M+37.6%

Total equity$1.9B+22.3%

Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%

CapEx$4.4M+19.5%

Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%

Enterprise value$1.9B-12.6%

P/E13.6×-2.3×

P/S3.4×-0.4×

Profitability

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FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp

Debt / equity0.1×0.0×

Where this comes from

Calculated from NBT Bancorp’s reported figures.

net income/total revenue=25.3%

Based on trailing twelve months.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's net margin?: NBT Bancorp (NBTB) reported net margin of 25.3% in Q1 2026.
How has NBT Bancorp's net margin changed year-over-year?: NBT Bancorp's net margin increased by 4.0% year-over-year, from 24.3% to 25.3%.
What is the long-term trend for NBT Bancorp's net margin?: Over 5 years (2020 to 2025), NBT Bancorp's net margin has grown at a 1.4% compound annual growth rate (CAGR), from 22.6% to 24.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.