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NBT Bancorp profit margin NBTB

Gross, operating and net profit as a share of revenue over the last twelve months, from 2010.

Net margin, 12 months
28.8%
Net margin on a year earlier
+7.4 pts
Peer median
30.1%

Over the twelve months to Jun 30, 2026, NBT Bancorp kept 28.8% of its revenue as net profit.

Five years earlier its net margin was 31.9%.

The median for 10 diversified banks of a similar size is 30.1%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202524.3%
FY202424.4%
FY202322.8%
FY202229.4%
FY202132.3%
FY202022.6%
FY201926.6%
FY201826.2%
FY201720.3%
FY201620.6%
FY201520.6%
FY201419.9%
FY201318.1%
FY201218.7%
FY201120.6%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2628.8%+7.4 pts
Q1 FY2625.3%+1.0 pts
Q4 FY2524.3%−0.1 pts
Q3 FY2522.7%−1.2 pts
Q2 FY2521.4%−0.5 pts
Q1 FY2524.3%+2.0 pts
Q4 FY2424.4%+1.6 pts
Q3 FY2423.9%−0.2 pts
Q2 FY2422.0%−5.1 pts
Q1 FY2422.3%−5.9 pts
Q4 FY2322.8%−6.5 pts
Q3 FY2324.1%−5.9 pts

Against its peers

Companies in Banks - Diversified nearest NBT Bancorp's size, closest first, today.

CompanyProfit margin
NBTBNBT Bancorp28.8%
TRMKTrustmark28.7%
FRMEFirst Merchants26.9%
CBUCommunity Financial System26.6%
PRKPark National30.5%
FFBCFirst Financial Bancorp28.3%
WAFDWafd32.8%
FCFFirst Commonwealth Financial30.8%
NICNicolet Bankshares29.7%
TBBKBancorp34.5%
BANFBancfirst34.8%
Peer median30.1%

Where NBT Bancorp ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on NBT Bancorp

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.