NBT Bancorp Inc. (NBTB) Earnings History
Annual and quarterly earnings data from 1991 to 2025
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NBTB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
NBTB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 72.1% | 25.3% | 19.5% |
| 2024 | 70.6% | 22.8% | 17.9% |
| 2023 | 74.4% | 23.2% | 17.9% |
| 2022 | 92.7% | 36.5% | 28.3% |
| 2021 | 97.9% | 40.4% | 31.3% |
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NBT Bancorp Inc. (NBTB) Earnings Overview
As of May 6, 2026, NBT Bancorp Inc. (NBTB) reported trailing twelve-month net income of $169M, reflecting +12.5% year-over-year growth. The company earned $3.22 per diluted share over the past four quarters, with a net profit margin of 19.5%.
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 72.1%, operating margin of 25.3%, and net margin of 19.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CNOB ($80M net income, 13.3% margin), TRMK ($224M net income, 20.0% margin), WSBC ($223M net income, 15.5% 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 | 19.5% | 25.3% |
| 2024 | $141M | +18.4% | $179M | $2.96 | 17.9% | 22.8% |
| 2023 | $119M | -21.9% | $153M | $2.65 | 17.9% | 23.2% |
| 2022 | $152M | -1.9% | $196M | $3.52 | 28.3% | 36.5% |
| 2021 | $155M | +48.4% | $200M | $3.54 | 31.3% | 40.4% |
| 2020 | $104M | -13.7% | $133M | $2.37 | 21.2% | 27.1% |
| 2019 | $121M | +7.5% | $155M | $2.74 | 23.9% | 30.6% |
| 2018 | $113M | +37.0% | $137M | $2.56 | 24.2% | 29.5% |
| 2017 | $82M | +4.8% | $128M | $1.87 | 19.3% | 30.1% |
| 2016 | $78M | +2.6% | $119M | $1.80 | 19.6% | 29.8% |
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Start ComparisonNBTB — Frequently Asked Questions
Quick answers to the most common questions about buying NBTB stock.
Is NBTB growing earnings?
NBTB EPS stands at $3.22, with +12.5% growth matching the 5-year CAGR of +7.0%. TTM net income is $169M. Earnings trajectory remains consistent.
What are NBTB's profit margins?
NBT Bancorp Inc. net margin is +19.5%, with operating margin at +25.3%. Above-average margins indicate pricing power.
How consistent are NBTB's earnings?
NBTB earnings data spans 1991-2025. The current earnings trend is +12.5% YoY. Historical data enables comparison across business cycles.