stockrowNBT Bancorp Inc.
NBTB Financial Banks Regional
NBT Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $906.5 million, up 15.0% from fiscal 2024.
- Revenue
- +1.43%
- EPS
- +7.69%
- Free cash flow
- +37.1%
- Total debt
- −14.3%
Quarter to September 2026, against a year earlier
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NBT Bancorp Inc. (NBTB) Gross margin
NBT Bancorp Inc.'s gross margin over the twelve months to 30 September 2026 was 78.9%, up 2.0 percentage points from fiscal 2025 (76.9%). Over the past ten years it has ranged from 73.2% (fiscal 2024) to 96.2% (fiscal 2021); the current reading is higher than 18% of that period. That is above the Banks Regional industry median of 69.8% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 76.9% | 3.72 |
| FY2024 | 73.2% | (5.09) |
| FY2023 | 78.3% | (17.69) |
| FY2022 | 96.0% | (0.27) |
| FY2021 | 96.2% | 2.81 |
| FY2020 | 93.4% | 4.35 |
| FY2019 | 89.1% | (2.70) |
| FY2018 | 91.8% | (2.22) |
| FY2017 | 94.0% | (0.43) |
| FY2016 | 94.4% | (0.33) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 79.5% | 0.21 |
| Jun 2026 | 79.3% | 0.03 |
| Mar 2026 | 79.3% | 1.54 |
| Dec 2025 | 77.7% | 0.78 |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| NBTB NBT Bancorp Inc. | 78.9% |
| BANR Banner Corporation compare | 77.3% |
| FBNC First Bancorp compare | 75.7% |
| TRMK Trustmark Corporation compare | 73.8% |
| BOH Bank of Hawaii Corporation compare | 72.3% |
| FBK FB Financial Corporation compare | 67.9% |
| BBT Beacon Financial Corporation compare | 67.8% |
| CUBI Customers Bancorp, Inc compare | 60.4% |
| BANC Banc of California, Inc. compare | 57.9% |
| Banks Regional industry median | 69.8% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on NBTB
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement