Company / Profit Margin
NBT Bancorp, Inc. Profit Margin History
FY2018-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Profit Margin
92.5%
FY2025
5-year range
82.1% / 102.6%
FY2021-FY2025
Trend
+9.0%
vs FY2024
Sector context
#31 of 272
Financials
What the data says
NBT Bancorp, Inc.'s profit margin of 92.5% is higher than 89% of companies in the Financials sector (FY2025). Profit Margin has fluctuated over the past 8 years, ranging from 74.1% in FY2020 to 102.6% in FY2021.
Based on SEC 10-K filings.
92.5% in FY2025 with a 5-year CAGR of +18.4%. Top quartile in the Financials sector.
Improved from 82.1% to 92.5% over the past 2 years.
Financials sector context is included.
Profit Margin over time
Growth rates
- 3-Year Change
- -8.4pp
- 5-Year Change
- +18.4pp
- 10-Year Change
- -
Sector benchmark
Top 11% in FinancialsTop 11% of 272This company 92.5% Sector average 71.5%
▼
+29.3% above sector average
Key checks
Key Insights
- In FY2025, profit margin increased 9.0% year-over-year.
- Currently 21.0pp above the Financials sector average.
- Peak profit margin was recorded in FY2021.
- Lowest profit margin in the period was in FY2020.
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 | Profit MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 92.5% | +9.0% |
| FY2024 | 84.9% | +3.4% |
| FY2023 | 82.1% | -18.7% |
| FY2022 | 100.9% | -1.6% |
| FY2021 | 102.6% | +38.5% |
| FY2020 | 74.1% | -17.7% |
| FY2019 | 90.0% | +0.8% |
| FY2018 | 89.3% | - |
| FY2017 | - | - |
| FY2016 | - | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026