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NBT Bancorp (NBTB)
NASDAQ:NBTB
Earnings Data
Report Date
Apr 27, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.98Last Year’s EPS
0.8Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted solid financial performance: strong profitability (ROA and ROTCE), double-digit revenue growth (+25% YoY), meaningful loan and deposit expansion, an 11% increase in tangible book value, successful integration of the Evans acquisition, and record nonbanking revenues. Management also signaled disciplined capital deployment (dividend increase and opportunistic buybacks) and targeted market investments. On the downside, unscheduled CRE payoffs and some spread compression pressured loan growth and incremental margin expansion; provisions and net charge-offs ticked up slightly and certain runoff portfolios required reserve recalibration. Overall, positive operating momentum and healthy capital/asset quality suggest the positives materially outweigh the headwinds.Company Guidance
Strong Operating Profitability
Operating return on assets 1.37% (second consecutive quarter) and return on tangible equity 17.02%, demonstrating positive operating leverage.
Robust Revenue and EPS
Q4 net income $55.5M; diluted EPS $1.06 and core operating EPS $1.05 (consistent with prior quarter). Total revenue grew 25% year-over-year, driven by net interest income and noninterest income (including Evans merger).
Loan and Deposit Growth
Total loans rose $1.63B (16.3% YoY, including Evans acquired loans) to $11.6B. Total deposits increased $2.0B from December 2024 (including Evans).
Tangible Book Value Increase
Tangible book value per share of $26.54 at year-end, up 11% versus a year ago.
Net Interest Margin Improvement (YoY)
Net interest margin improved ~36 basis points year-over-year due to remixing earning assets, funding cost management and the Evans acquisition; Q4 NIM was 3.65%.
Diversified and Growing Noninterest Income
Fee income (ex-securities gains) of $49.6M in Q4 (down $1.8M from seasonally high Q3 but up 17.4% YoY). Combined retirement plan services, wealth management and insurance revenues exceeded $30M in the quarter. Noninterest income represented 27% of total revenues.
Successful Merger and Integration
Evans Bancorp merger (closed Q2) integrated successfully; contributed to balance sheet growth, revenue diversification, and expansion into Western New York.
Capital Returns and Share Repurchases
Repurchased 250,000 shares in Q4 (~$10M) and raised dividend 8.8% year-over-year (13th consecutive annual increase), reflecting strong capital position and ability to self-fund buybacks without materially impacting capital ratios.
NBTB Earnings History
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 |
|---|---|---|---|
Jan 26, 2026 | $43.53 | $43.04 | -1.12% |
Oct 27, 2025 | $40.03 | $40.58 | +1.37% |
Jul 28, 2025 | $40.41 | $41.93 | +3.76% |
Apr 24, 2025 | $40.94 | $41.17 | +0.56% |
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 Apr 27, 2026, TBA (Confirmed).
What is NBT Bancorp (NBTB) earnings time?
NBT Bancorp (NBTB) earnings time is at Apr 27, 2026, 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 2026 (Q1) is 0.98.