NBT Bancorp Inc. (NBTB) Earnings History
Steady Earner35 years of earnings data (1991–2025) · Positive but moderate multi-year EPS trajectory
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NBT Bancorp Inc. (NBTB) Earnings Overview
As of November 8, 2026, NBT Bancorp Inc. (NBTB) reported trailing twelve-month net income of $218M, reflecting +12.5% year-over-year growth. The company earned $4.17 per diluted share over the past four quarters, with a net profit margin of 25.7%.
Looking at the long-term picture, NBTB's 5-year EPS compound annual growth rate (CAGR) stands at +7.0%, showing solid earnings momentum. The company achieved its highest annual net income of $169M in fiscal 2025, representing a new all-time high.
NBT Bancorp Inc. maintains industry-leading profitability with a gross margin of 95.1%, operating margin of 33.4%, and net margin of 25.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CNOB ($150M net income, 25.5% margin), TRMK ($236M net income, 27.7% margin), WSBC ($362M net income, 22.8% margin), NBTB has outperformed on profitability metrics. Compare NBTB vs CNOB →
NBTB Earnings vs Peers
Earnings metrics vs comparable public companies
NBTB Historical Earnings Data (1991–2025)
35 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $169M | +20.3% | $219M | $3.33 | 25.7% | 33.4% |
| 2024 | $141M | +18.4% | $179M | $2.96 | 24.5% | 31.2% |
| 2023 | $119M | -21.9% | $153M | $2.65 | 22.9% | 29.6% |
| 2022 | $152M | -1.9% | $196M | $3.52 | 29.5% | 38.1% |
| 2021 | $155M | +48.4% | $200M | $3.54 | 32.5% | 42.0% |
| 2020 | $104M | -13.7% | $133M | $2.37 | 22.8% | 29.0% |
| 2019 | $121M | +7.5% | $155M | $2.74 | 26.8% | 34.4% |
| 2018 | $113M | +37.0% | $137M | $2.56 | 26.4% | 32.1% |
| 2017 | $82M | +4.8% | $128M | $1.87 | 20.6% | 32.1% |
| 2016 | $78M | +2.6% | $119M | $1.80 | 20.8% | 31.5% |
| 2015 | $76M | +1.8% | $117M | $1.72 | 21.0% | 32.0% |
| 2014 | $75M | +21.6% | $112M | $1.69 | 21.1% | 31.6% |
| 2013 | $62M | +13.2% | $90M | $1.46 | 18.2% | 26.6% |
| 2012 | $55M | -5.8% | $77M | $1.62 | 18.9% | 26.8% |
| 2011 | $58M | +0.9% | $79M | $1.71 | 20.8% | 28.5% |
| 2010 | $57M | +10.4% | $78M | $1.66 | 20.3% | 27.6% |
| 2009 | $52M | -10.9% | $73M | $1.53 | 18.8% | 26.3% |
| 2008 | $58M | +15.9% | $84M | $1.80 | 22.6% | 32.5% |
| 2007 | $50M | -10.0% | $72M | $1.51 | 22.4% | 32.1% |
| 2006 | $56M | +6.7% | $80M | $1.64 | 26.3% | 37.7% |
| 2005 | $52M | +4.8% | $76M | $1.60 | 26.1% | 37.8% |
| 2004 | $50M | +6.2% | $72M | $1.51 | 26.2% | 37.6% |
| 2003 | $47M | +4.7% | $69M | $1.43 | 25.9% | 37.6% |
| 2002 | $45M | +1104.1% | $67M | $1.35 | 25.2% | 37.5% |
| 2001 | $4M | -73.6% | $4M | $0.11 | 2.3% | 2.6% |
| 2000 | $14M | -56.6% | $21M | $0.44 | 9.4% | 13.8% |
| 1999 | $33M | +21.2% | $49M | $1.08 | 23.2% | 34.7% |
| 1998 | $27M | +83.0% | $34M | $0.89 | 26.5% | 33.6% |
| 1997 | $15M | +20.5% | $23M | $1.11 | 23.8% | 37.2% |
| 1996 | $12M | +31.2% | $19M | $0.93 | 21.4% | 33.9% |
| 1995 | $9M | +43.1% | $15M | $0.68 | 18.7% | 30.4% |
| 1994 | $7M | -23.5% | $10M | $0.45 | 12.6% | 19.3% |
| 1993 | $9M | +6.3% | $14M | $0.66 | 15.9% | 26.0% |
| 1992 | $8M | +11.1% | $14M | $0.63 | 15.4% | 26.0% |
| 1991 | $7M | - | $10M | $0.56 | 15.0% | 21.4% |
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NBTB — Frequently Asked Questions
Quick answers to the most common questions about buying NBTB stock.
What is NBTB earnings per share (EPS)?
NBTB trailing twelve-month (TTM) diluted EPS is $4.17, reflecting +12.5% year-over-year growth. The 5-year EPS CAGR is +7.0%. Complete EPS history from 1991 to 2025 is available in the table on this page.
What is NBT Bancorp Inc.'s net income?
NBT Bancorp Inc. (NBTB) trailing twelve-month net income is $218M as of 2025. Earnings grew +12.5% year-over-year. NBT Bancorp Inc. has been profitable for 35 consecutive years.
Is NBTB profitable?
Yes, NBTB is profitable with a TTM net income of $218M and a net profit margin of +25.7%. NBT Bancorp Inc. has generated profits for 35 consecutive years.
What is NBTB's earnings growth rate?
NBTB compound annual EPS growth rates (CAGR): 1-Year: +12.5%, 3-Year: -1.8%, 5-Year: +7.0%, 10-Year: +6.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1991 to 2025.
What are NBTB's profit margins?
NBT Bancorp Inc. net profit margin is +25.7%, operating margin is +33.4%, and gross margin is +95.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.9%.
Is NBTB growing earnings?
NBTB is growing earnings steadily. YoY EPS growth of +12.5% is consistent with the 5-year CAGR of +7.0%. TTM net income is $218M.
What was NBTB's best earnings year?
NBT Bancorp Inc.'s highest annual net income on record is $169M, achieved in fiscal year 2025. Earnings history on this page spans 1991 to 2025 and includes all annual and quarterly figures.
What were NBTB's earnings last quarter?
NBTB's most recent reported quarter was Q3 2026. Net income was $58M with diluted EPS of $1.11. For a full breakdown of all quarters, see the quarterly earnings table on this page.