NBT BancorpNBTB +1.07%69 FCF Margin % is 26.44% as of Mar. 2026, which is 17% below its 10-year median of 31.68. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.34 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,504 Banks companies, NBT Bancorp ranks better than 59.11% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. NBT Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $48.6 Mil. NBT Bancorp's Revenue for the
three
months ended in Mar. 2026 was $183.9 Mil. Therefore, NBT Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 26.44%.
The historical rank and industry rank for NBT Bancorp's FCF Margin % or its related term are showing as below:
NBTB'
s FCF Margin % Range Over the Past 10 Years
Min: 28.47 Med: 31.68 Max: 34.21
Current: 31.65
During the past 13 years, the highest FCF Margin % of NBT Bancorp was 34.21%. The lowest was 28.47%. And the median was 31.68%.
NBTB's FCF Margin % is ranked better than 59.11% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs NBTB: 31.65
NBT Bancorp FCF Margin % Related Terms
NBT Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for NBT Bancorp's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, NBT Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NBT Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NBT Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where NBT Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NBT Bancorp (NBTB) has a FCF Margin % of 26.44% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NBT Bancorp and its competitors. This is 17% below median its historical median of 31.68. Over the past decade, NBT Bancorp's FCF Margin % has ranged from 28.47 to 34.21. According to the industry distribution chart, NBT Bancorp ranks #615 out of 1504 companies in the Banks industry, placing it in the top 40.9%.
Is NBT Bancorp's FCF Margin % too high?
NBT Bancorp's current FCF Margin % of 26.44% is 17% below median its 10-year median of 31.68. Over the past 10 years, this metric has ranged from a low of 28.47 to a high of 34.21. The Banks industry median FCF Margin % is 26.50. NBT Bancorp's value of 26.44% is 0.2% below this industry median. Based on the distribution chart, NBT Bancorp ranks #615 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, NBT Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's FCF Margin % compare to FBNC and BBT?
According to the Banks industry distribution chart, NBT Bancorp ranks #615 out of 1504 companies for FCF Margin %. This puts NBT Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. NBT Bancorp's value of 26.44% is 0.2% below this benchmark. Historically, NBT Bancorp's own FCF Margin % has ranged from 28.47 to 34.21 over the past decade. While the company's 10-year median is 31.68 vs. the industry median of 26.50, NBT Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBT Bancorp's current FCF Margin % of 26.44% is 0.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NBT Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current FCF Margin % is 26.44%, which is 17% below median its own 10-year median of 31.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBT Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NBT Bancorp (NBTB) is currently considered Fairly Valued. The stock's GF Value™ is $46.34, compared to a current price of $49.28 — trading 6.3% above its estimated fair value. The current FCF Margin % is 26.44%, which is 17% below median its 10-year median of 31.68 and 0.2% below the Banks industry median of 26.50. NBT Bancorp's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current FCF Margin % is 26.44% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NBT Bancorp (NBTB) Overvalued in 2026?
Based on GuruFocus' analysis, NBT Bancorp stock appears to be overvalued.
The current stock price of $49.28 is trading 6.3% above its estimated GF Value™ of $46.34.
GuruFocus considers NBT Bancorp to be Fairly Valued.
Key valuation signals for NBTB:
FCF Margin %: 26.44% (17% below median its 10-year median of 31.68)
GF Value™: $46.34 vs. price of $49.28 (6.3% above fair value)
Industry Position: 0.2% below the Banks median (#615 of 1504)
No single metric tells the full story. See the NBTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
69GF Score
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