NBT Bancorp is demonstrating a robust recovery, with net interest income up 10.3% year-over-year to $137.0M in 2026Q2 and net interest margin expanding 14 basis points to 3.73%. The efficiency ratio improved to 47.3% from 54.5% a year earlier, reflecting strong cost control.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 27, 2026 | $1.11+1.8% vs $1.09 | $195M+0.6% vs $194M |
Q3 2026 Jul 27, 2026 | $1.01-1.0% vs $1.02 | $187M-1.1% vs $189M |
Q2 2026 Apr 23, 2026 | $0.97-1.0% vs $0.98 | $184M-0.4% vs $185M |
Q1 2026 Jan 26, 2026 | $1.05+6.1% vs $0.99 | $185M+0.8% vs $184M |
NBT Bancorp NASDAQ: NBTB reported record third-quarter earnings as loan growth, a higher net interest margin and fee-based business contributions lifted results. The company posted net income of $58 million, or $1.11 per diluted share, for the third quarter of 2026.
NBT Bancorp Inc. ( NBTB ) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDT Company Participants Scott Kingsley - President, CEO & Director Joseph Stagliano - Senior Executive Vice President Annette Burns - Executive VP & CFO Conference Call Participants Feddie Strickland - Hovde Group, LLC, Research Division David Konrad - Keefe, Bruyette, & Woods, Inc., Research Division Manuel Navas - Piper Sandler & Co., Research Division Stephen Moss - Raymond James & Associates, Inc., Research Division Matthew Breese - Stephens Inc., Research Division Jacob Civiello - D.A. Davidson & Co., Research Division Daniel Cardenas - Brean Capital, LLC, Research Division Presentation Operator Good day, everyone, and welcome to the conference call covering NBT Bancorp's Third Quarter 2026 Financial Results.
The headline numbers for NBT (NBTB) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
NBT Bancorp (NBTB) came out with quarterly earnings of $1.11 per share, beating the Zacks Consensus Estimate of $1.09 per share. This compares to earnings of $1.05 per share a year ago.
Benchmark NBTB against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for NBT Bancorp Inc. (NBTB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $52.83 | $2.75B | 12.68 | 14.54% | 28.98% | 11.31% | 2.7% | |
| $32.42 | $1.63B | 10.88 | 19.23% | 55.02% | 9.42% | 1.96% | |
| $44.64 | $2.62B | 11.03 | 77.36% | 30.01% | 11.1% | 2.16% | |
| $38.59 | $3.7B | 10.30 | 62.81% | 34.04% | 8.88% | 3.62% | |
| $23.76 | $4.54B | 11.06 | 11.19% | 29.66% | 11.39% | 3.24% | |
| $55.04 | $8.02B | 13.11 | 6.26% | 32.56% | 14.27% | 1.97% |
NBT Bancorp Inc. (NBTB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
NBT Bancorp Inc. (NBTB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 27, 2026·SEC
May 19, 2026·SEC
May 18, 2026·SEC
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NBT Bancorp Inc. (NBTB) stock FAQ — growth, dividends, profitability & financials explained
NBT Bancorp Inc. (NBTB) grew revenue by 14.6% over the trailing twelve months, compared with the twelve months before.
Yes. NBT Bancorp Inc. (NBTB) earned $217.7M in net income over the trailing twelve months (a 29.0% net margin).
Yes. NBT Bancorp Inc. (NBTB) pays a dividend that yields 2.70% at the current price, a moderate yield.
NBT Bancorp Inc. (NBTB) had a return on equity (ROE) of 11.3% over the trailing twelve months. That is in line with the market's typical 10-15%.
NBT Bancorp Inc. (NBTB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
NBT Bancorp Inc. (NBTB) has an efficiency ratio of 61.7%. This is reasonable for a bank.
