NBT Bancorp Inc. (NBTB) Earnings
NBT Bancorp Inc. is expected to report next earnings on July 27, 2026 (in NaN days), with a consensus EPS estimate of $1.02. NBTB has beaten EPS estimates in 6 of its last 12 reported quarters (average surprise +2.3% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $0.98 | $0.97 | -1.0% | $184M | -0.4% |
| Jan 26, 2026 | $0.99 | $1.05 | +6.1% | $185M | -1.0% |
| Apr 24, 2025 | $0.76 | $0.80 | +5.3% | $154M | +2.0% |
| Jan 27, 2025 | $0.78 | $0.77 | -1.3% | $148M | +0.8% |
| Jul 22, 2024 | $0.69 | $0.69 | +0.0% | $140M | -1.0% |
| Jan 23, 2024 | $0.75 | $0.72 | -4.0% | $137M | -1.3% |
| Jan 23, 2023 | $0.93 | $0.82 | -11.8% | $133M | -0.5% |
| Jul 25, 2022 | $0.84 | $0.88 | +4.8% | $128M | +3.0% |
| Jan 26, 2022 | $0.85 | $0.86 | +1.2% | $125M | +3.7% |
| Jan 27, 2021 | $0.69 | $0.85 | +23.2% | $117M | +30.2% |
| Jul 27, 2020 | $0.46 | $0.56 | +21.7% | $115M | +21.7% |
| Apr 27, 2020 | $0.52 | $0.25 | -51.9% | $124M | -46.7% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 24, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
Management mentioned solid operating performance driven by disciplined balance sheet management, diversified revenue streams growth, and Evans Bancorp merger integration. Operating return on assets and return on tangible equity improved. Tangible book value per share increased. Net interest margin improved. Non-interest income continued to grow. Capital utilization focuses on organic growth, dividend growth, M&A opportunities, and share repurchases. Evans Bank integration went smoothly. Semiconductor corridor development accelerated with Micron's project. Seven-state footprint sees activity tied to advanced manufacturing, etc.
Guidance
Management expects net interest margin to be influenced by yield curve and asset reinvestment. Operating expenses are expected to grow 3%-4% annually. Loan growth is expected to return to low to mid-single-digit growth rate for the balance of the year.
Segment performance
Operating return on assets was 1.29% for the first quarter, return on tangible equity was 15.50%. Tangible book value per share was $27.05, up over 9% from a year ago. Net interest margin improved 28 basis points year over year. Non-interest income continued to grow, with retirement plan administration business reaching a new all-time high in quarterly revenue.
Risks & headwinds
Risks include difficult winter weather affecting early business, higher-than-expected commercial real estate payoffs, deposit competition, asset pricing competition, and non-performing loan related risks.