Company / FCF Margin
NBT Bancorp, Inc. FCF Margin History
FY2018-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
119.7%
FY2025
5-year range
97.3% / 119.7%
FY2021-FY2025
Trend
+12.1%
vs FY2024
Sector context
#24 of 206
Financials
What the data says
NBT Bancorp, Inc.'s fcf margin of 119.7% is higher than 88% of companies in the Financials sector (FY2025). FCF Margin has increased for 3 consecutive years, from 97.3% in FY2022 to 119.7% in FY2025.
Based on SEC 10-K filings.
119.7% in FY2025 with a 5-year CAGR of +8.3%. Top quartile in the Financials sector.
Improved from 102.4% to 119.7% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- +22.4pp
- 5-Year Change
- +8.3pp
- 10-Year Change
- -
Sector benchmark
Top 12% in FinancialsTop 12% of 206This company 119.7% Sector average 207.7%
▼
-42.4% below sector average
Key checks
Key Insights
- NBT Bancorp, Inc.'s fcf margin has grown for 3 consecutive years.
- In FY2025, fcf margin increased 12.1% year-over-year.
- Currently 88.0pp below the Financials sector average.
- Lowest fcf margin in the period was in FY2022.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 119.7% | +12.1% |
| FY2024 | 106.7% | +4.2% |
| FY2023 | 102.4% | +5.2% |
| FY2022 | 97.3% | -10.9% |
| FY2021 | 109.2% | -2.0% |
| FY2020 | 111.4% | -3.0% |
| FY2019 | 114.8% | +3.0% |
| FY2018 | 111.4% | - |
| FY2017 | - | - |
| FY2016 | - | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026