Nbt Bancorp Inc (NBTB) FinancialsNBTBNbt Bancorp Inc

Evaluating the bottom line, NBT Bancorp Inc. maintains a gross margin of 77.95%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 31.01%, while the net margin is 23.65%. These profitability ratios, combined with a Return on Equity (ROE) of 11.47%, provide a clear picture of how effectively NBTB converts its operational activities into shareholder value.

In the context of the broader market, NBTB competes directly with industry leaders such as FBK and FRME. With a market capitalization of $2.75B, it holds a leading position in the sector. When comparing efficiency, NBTB's gross margin of 77.95% stands against FBK's N/A and FRME's N/A. Such benchmarking helps identify whether NBT Bancorp Inc. is trading at a premium or discount relative to its financial performance.

NBT Bancorp has demonstrated consistent revenue growth, with Q2 2026 revenue at $152.54 million, reflecting an 8.7% year-over-year increase. The net income for Q2 2026 was $53.03 million, maintaining a strong net margin of 34.77%.