The earnings call reflected a generally positive outlook with significant achievements in terms of the Evans Bancorp merger and improved financial metrics. However, some concerns were noted with increased provision for loan losses and higher operating expenses offsetting these gains to an extent.

Company Guidance -

Q3 2025

In the second quarter of 2025, NBT Bancorp reported a robust operating performance with key metrics reflecting continued growth and improvement. The company's operating return on assets was 1.19%, while return on equity stood at 10.5%, and return on tangible common equity (ROTCE) was 15.25%. NBT's tangible book value per share increased by 9% year-over-year to $24.57, and the tangible equity ratio improved beyond pre-merger levels with Evans Bancorp. The merger added $1.7 billion in loans and $1.9 billion in deposits, contributing to a 10.5% quarter-over-quarter revenue growth and a 22% increase from the previous year. Net interest margin rose for the fifth consecutive quarter to 3.59%, supported by asset repricing and acquisition accretion. Noninterest income grew by 8% year-over-year, despite a 1.5% seasonal dip from the prior quarter. NBT also announced an 8.8% increase in its dividend, marking its 13th consecutive year of dividend growth, highlighting strong capital and earnings consistency.

Successful Evans Bancorp Merger

The merger with Evans Bancorp added approximately $1.7 billion of loans and $1.9 billion of deposits. The integration process was smooth, with 18 Evans Bank branches rebranded as NBT Bank locations and 200 employees joining the NBT team.

Improved Financial Metrics

Operating return on assets was 1.19% for the second quarter, with a return on equity of 10.5% and ROTCE of 15.25%. Tangible book value per share increased 9% year-over-year.

Net Interest Margin Growth

The net interest margin improved for the fifth consecutive quarter, reaching 3.59% in Q2. This was driven by productive asset repricing trends and the Evans Bancorp merger.

Dividend Increase

The company announced an 8.8% increase in the dividend, marking the 13th consecutive year of dividend increases.

NBT Bancorp (NBTB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

NBTB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.98 / -	0.8	―	―	―
Jul 28, 2025	2025 (Q2)	0.83 / 0.88	0.69	27.54% (+0.19)
Apr 24, 2025	2025 (Q1)	0.74 / 0.80	0.68	17.65% (+0.12)
Jan 27, 2025	2024 (Q4)	0.77 / 0.77	0.72	6.94% (+0.05)
Oct 28, 2024	2024 (Q3)	0.77 / 0.80	0.84	-4.76% (-0.04)
Jul 22, 2024	2024 (Q2)	0.69 / 0.69	0.8	-13.75% (-0.11)
Apr 22, 2024	2024 (Q1)	0.68 / 0.68	0.88	-22.73% (-0.20)
Jan 23, 2024	2023 (Q4)	0.75 / 0.72	0.849	-15.19% (-0.13)
Oct 24, 2023	2023 (Q3)	0.77 / 0.84	0.909	-7.59% (-0.07)
Jul 31, 2023	2023 (Q2)	0.79 / 0.80	0.889	-10.01% (-0.09)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

NBTB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$41.47	$43.03	+3.76%
Apr 24, 2025	$42.02	$42.25	+0.55%
Jan 27, 2025	$47.96	$45.39	-5.36%
Oct 28, 2024	$44.19	$44.30	+0.25%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does NBT Bancorp (NBTB) report earnings?

NBT Bancorp (NBTB) is schdueled to report earning on Oct 28, 2025, TBA (Confirmed).

What is NBT Bancorp (NBTB) earnings time?

NBT Bancorp (NBTB) earnings time is at Oct 28, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is NBTB EPS forecast?

NBTB EPS forecast for the fiscal quarter 2025 (Q3) is 0.98.

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