The earnings call highlighted a successful merger with Evans Bancorp, contributing to significant growth in loans, deposits, and cost synergies. The bank also announced a dividend increase and reported strong revenue and earnings growth. However, there were challenges such as an increase in provision for loan losses and a decrease in the proportion of noninterest income to total revenues. Overall, the positive aspects of the Evans merger and revenue growth outweighed the negatives.

Company Guidance

During the call discussing NBT Bancorp's second quarter 2025 financial results, several key metrics and guidance were highlighted. The company reported an operating return on assets of 1.19%, a return on equity of 10.5%, and a return on tangible common equity (ROTCE) of 15.25%, indicating improved performance over previous periods. The tangible book value per share increased by 9% year-over-year to $24.57, while the tangible equity ratio surpassed levels prior to the Evans Bancorp merger. The merger added $1.7 billion in loans and $1.9 billion in deposits, contributing to a 15 basis point rise in net interest margin to 3.59%, marking the fifth consecutive quarter of improvement. Noninterest income grew by 8% from the second quarter of 2024, reflecting strong fee income contributions. Operating expenses, excluding merger costs, rose by 6.3% to $105.4 million, largely due to the Evans acquisition and ongoing investments. The provision for loan losses increased to $17.8 million, with a reserve coverage of 1.21% of total loans. Additionally, a dividend increase of 8.8% was announced, underscoring the company's strong capital position and consistent earnings growth.

Successful Evans Bancorp Merger

Completed the merger with Evans Bancorp, adding approximately $1.7 billion of loans and $1.9 billion of deposits, with a significant portion of targeted 25% cost synergies realized.

Dividend Increase

Announced an 8.8% improvement in dividend to shareholders, marking the 13th consecutive year of increases.

Revenue and Earnings Growth

Revenues grew approximately 10.5% from the prior quarter and 22% from the second quarter of the prior year, driven by improvements in net interest income.

Improved Net Interest Margin

Net interest margin increased for the fifth consecutive quarter to 3.59%.

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	$41.13	$42.67	+3.74%
Apr 24, 2025	$41.67	$41.90	+0.55%
Jan 27, 2025	$47.56	$45.01	-5.36%
Oct 28, 2024	$43.83	$43.93	+0.23%

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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