NBT BancorpNBTB +0.37%70 OCF Margin % is 28.85% as of Mar. 2026, which is 14% below its 10-year median of 33.66. GuruFocus rates NBTB with a GF Score™ of 70/100 and a GF Value™ of $46.35 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,501 Banks companies, NBT Bancorp ranks better than 58.29% on this metric.
The historical rank and industry rank for NBT Bancorp's OCF Margin % or its related term are showing as below:
NBTB'
s OCF Margin % Range Over the Past 10 Years
Min: 29.35 Med: 33.66 Max: 35.57
Current: 34
During the past 13 years, the highest OCF Margin % of NBT Bancorp was 35.57%. The lowest was 29.35%. And the median was 33.66%.
NBTB's OCF Margin % is ranked better than 58.29% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs NBTB: 34.00
NBT Bancorp OCF Margin % Related Terms
NBT Bancorp OCF Margin % Historical Data
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The historical data trend for NBT Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NBT Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where NBT Bancorp's OCF 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 OCF Margin % of 28.85% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on NBT Bancorp and its competitors. This is 14% below median its historical median of 33.66. Over the past decade, NBT Bancorp's OCF Margin % has ranged from 29.35 to 35.57. According to the industry distribution chart, NBT Bancorp ranks #626 out of 1501 companies in the Banks industry, placing it in the top 41.7%.
Is NBT Bancorp's OCF Margin % too high?
NBT Bancorp's current OCF Margin % of 28.85% is 14% below median its 10-year median of 33.66. Over the past 10 years, this metric has ranged from a low of 29.35 to a high of 35.57. The Banks industry median OCF Margin % is 29.44. NBT Bancorp's value of 28.85% is 2% below this industry median. Based on the distribution chart, NBT Bancorp ranks #626 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, NBT Bancorp has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's OCF Margin % compare to FBNC and BBT?
According to the Banks industry distribution chart, NBT Bancorp ranks #626 out of 1501 companies for OCF Margin %. This puts NBT Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. NBT Bancorp's value of 28.85% is 2% below this benchmark. Historically, NBT Bancorp's own OCF Margin % has ranged from 29.35 to 35.57 over the past decade. While the company's 10-year median is 33.66 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBT Bancorp's current OCF Margin % of 28.85% is 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on NBT Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current OCF Margin % is 28.85%, which is 14% below median its own 10-year median of 33.66. 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 $46.35, compared to a current price of $49.46 — trading 6.7% above its estimated fair value. The current OCF Margin % is 28.85%, which is 14% below median its 10-year median of 33.66 and 2% below the Banks industry median of 29.44. NBT Bancorp's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current OCF Margin % is 28.85% 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 $49.46 is trading 6.7% above its estimated GF Value™ of $46.35.
GuruFocus considers NBT Bancorp to be Fairly Valued.
Key valuation signals for NBTB:
OCF Margin %: 28.85% (14% below median its 10-year median of 33.66)
GF Value™: $46.35 vs. price of $49.46 (6.7% above fair value)
Industry Position: 2% below the Banks median (#626 of 1501)
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.
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