Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 22.65% is in line with its 5-year average of 22.35%, around the middle of its 5-year range (10.05%–32.84%).
12.52% above its 12-month average of 20.13%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 22.52%.
NET PROFIT MARGIN
22.65%
NET PROFIT MARGIN AVG TTM
20.13%
NET PROFIT MARGIN AVG 3Y
18.48%
NET PROFIT MARGIN AVG 5Y
22.35%
NET PROFIT MARGIN AVG 10Y
22.49%
NET PROFIT MARGIN AVG 15Y
21.05%
NET PROFIT MARGIN AVG 20Y
19.69%
CURRENT VS TTM AVG
+12.52%
CURRENT VS 3Y AVG
+22.55%
CURRENT VS 5Y AVG
+1.32%
CURRENT VS 10Y AVG
+0.72%
CURRENT VS 15Y AVG
+7.63%
CURRENT VS 20Y AVG
+15.03%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+71.53%
vs the sector median at left
NBT Bancorp Inc.
Market Cap
$2.64B
Net Profit Margin
22.65%
TTM Avg
20.13%
3Y Avg
18.48%
5Y Avg
22.35%
Market Cap
$2.65B
Net Profit Margin
19.84%
TTM Avg
23.41%
3Y Avg
19.30%
5Y Avg
21.30%
Market Cap
$2.58B
Net Profit Margin
-4.67%
TTM Avg
-2.02%
3Y Avg
-3.95%
5Y Avg
-4.67%
Market Cap
$2.53B
Net Profit Margin
20.51%
TTM Avg
19.08%
3Y Avg
24.53%
5Y Avg
32.05%
Market Cap
$2.49B
Net Profit Margin
17.08%
TTM Avg
20.32%
3Y Avg
23.54%
5Y Avg
26.29%
Market Cap
$2.49B
Net Profit Margin
11.53%
TTM Avg
3.81%
3Y Avg
10.38%
5Y Avg
14.83%
Market Cap
$2.49B
Net Profit Margin
24.65%
TTM Avg
15.06%
3Y Avg
19.23%
5Y Avg
21.34%
Market Cap
$2.79B
Net Profit Margin
40.02%
TTM Avg
31.08%
3Y Avg
22.50%
5Y Avg
22.50%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| NBT Bancorp Inc. (NBTB) | $2.64B | 22.65% | 20.13% | 18.48% | 22.35% |
| Trustmark Corporation (TRMK)vs › | $2.65B | 19.84% | 23.41% | 19.30% | 21.30% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | -4.67% | -2.02% | -3.95% | -4.67% |
| WaFd, Inc. (WAFDP)vs › | $2.57B | 18.47% | 15.00% | 21.43% | 23.06% |
| Merchants Bancorp (MBINM)vs › | $2.53B | 20.51% | 19.08% | 24.53% | 32.05% |
| First Merchants Corporation (FRME)vs › | $2.49B | 17.08% | 20.32% | 23.54% | 26.29% |
| Columbia Financial, Inc. (CLBK)vs › | $2.49B | 11.53% | 3.81% | 10.38% | 14.83% |
| First Busey Corporation (BUSE)vs › | $2.49B | 24.65% | 15.06% | 19.23% | 21.34% |
| Slide Insurance Holdings, Inc. Common Stock (SLDE)vs › | $2.79B | 40.02% | 31.08% | 22.50% | 22.50% |
| First Merchants Corporation (FRMEP)vs › | $2.80B | 17.08% | 20.32% | 23.54% | 26.29% |
Operating Margin
29.3%
Net Profit Margin
22.6%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 22.52% |
| 2026-03-31 | 21.97% |
| 2025-12-31 | 23.30% |
| 2025-09-30 | 22.81% |
| 2025-06-30 | 10.05% |
| 2025-03-31 | 18.26% |
| 2024-12-31 | 18.05% |
| 2024-09-30 | 18.91% |
| 2024-06-30 | 16.93% |
| 2024-03-31 | 17.64% |
| 2023-12-31 | 16.12% |
| 2023-09-30 | 13.92% |
| 2023-06-30 | 19.79% |
| 2023-03-31 | 23.25% |
| 2022-12-31 | 25.38% |
| 2022-09-30 | 28.69% |
| 2022-06-30 | 28.53% |
| 2022-03-31 | 30.94% |
| 2021-12-31 | 28.82% |
| 2021-09-30 | 30.72% |
| 2021-06-30 | 32.84% |
| 2021-03-31 | 33.00% |
| 2020-12-31 | 27.66% |
| 2020-09-30 | 28.76% |
| 2020-06-30 | 20.30% |
| 2020-03-31 | 8.37% |
| 2019-12-31 | 23.10% |
| 2019-09-30 | 24.69% |
| 2019-06-30 | 24.15% |
| 2019-03-31 | 23.42% |
| 2018-12-31 | 24.76% |
| 2018-09-30 | 24.77% |
| 2018-06-30 | 23.83% |
| 2018-03-31 | 23.47% |
| 2017-12-31 | 16.07% |
| 2017-09-30 | 21.19% |
| 2017-06-30 | 20.24% |
| 2017-03-31 | 19.90% |
| 2016-12-31 | 19.55% |
| 2016-09-30 | 19.77% |
| 2016-06-30 | 19.88% |
| 2016-03-31 | 19.35% |
| 2015-12-31 | 19.09% |
| 2015-09-30 | 20.70% |
| 2015-06-30 | 20.10% |
| 2015-03-31 | 19.56% |
| 2014-12-31 | 19.33% |
| 2014-09-30 | 11.47% |
| 2014-06-30 | 29.32% |
| 2014-03-31 | 19.30% |
| 2013-12-31 | 19.09% |
| 2013-09-30 | 20.09% |
| 2013-06-30 | 17.86% |
| 2013-03-31 | 9.01% |
| 2012-12-31 | 16.34% |
| 2012-09-30 | 17.66% |
| 2012-06-30 | 16.88% |
| 2012-03-31 | 16.85% |
| 2011-12-31 | 17.15% |
| 2011-09-30 | 19.03% |
| 2011-06-30 | 18.29% |
| 2011-03-31 | 17.84% |
| 2010-12-31 | 17.06% |
| 2010-09-30 | 17.28% |
| 2010-06-30 | 16.98% |
| 2010-03-31 | 16.29% |
| 2009-12-31 | 15.71% |
| 2009-09-30 | 15.34% |
| 2009-06-30 | 13.10% |
| 2009-03-31 | 14.69% |
| 2008-12-31 | 15.93% |
| 2008-09-30 | 16.29% |
| 2008-06-30 | 16.42% |
| 2008-03-31 | 15.11% |
| 2007-12-31 | 9.61% |
| 2007-09-30 | 16.16% |
| 2007-06-30 | 13.33% |
| 2007-03-31 | 16.03% |
| 2006-12-31 | 15.45% |
| 2006-09-30 | 16.68% |
| 2006-06-30 | 16.79% |
| 2006-03-31 | 17.53% |
| 2005-12-31 | 17.76% |
| 2005-09-30 | 19.15% |
| 2005-08-05 | 19.05% |
| 2005-03-31 | 19.33% |
| 2004-12-31 | 19.29% |
| 2004-09-30 | 19.96% |
| 2004-06-30 | 20.63% |
| 2004-03-31 | 19.90% |
| 2003-12-31 | 19.04% |
| 2003-09-30 | 19.50% |
| 2003-06-30 | 19.51% |
| 2003-03-31 | 18.84% |
| 2002-12-31 | 19.56% |
| 2002-09-30 | 17.54% |
