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Here's What Key Metrics Tell Us About NBT (NBTB) Q1 Earnings
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NBT Bancorp (NBTB - Free Report) reported $155.31 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 10.5%. EPS of $0.80 for the same period compares to $0.68 a year ago.
The reported revenue represents a surprise of +2.96% over the Zacks Consensus Estimate of $150.85 million. With the consensus EPS estimate being $0.76, the EPS surprise was +5.26%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how NBT performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net interest margin (FTE): 3.4% versus the two-analyst average estimate of 3.4%.
Average Balance - Total interest-earning assets: $12.70 billion versus $12.72 billion estimated by two analysts on average.
Net charge-offs to average loans: 0.3% compared to the 0.2% average estimate based on two analysts.
Total Noninterest Income: $47.45 million compared to the $44.37 million average estimate based on two analysts.
Net interest income (FTE): $107.86 million compared to the $106.48 million average estimate based on two analysts.
Shares of NBT have returned -4% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Here's What Key Metrics Tell Us About NBT (NBTB) Q1 Earnings
NBT Bancorp (NBTB - Free Report) reported $155.31 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 10.5%. EPS of $0.80 for the same period compares to $0.68 a year ago.
The reported revenue represents a surprise of +2.96% over the Zacks Consensus Estimate of $150.85 million. With the consensus EPS estimate being $0.76, the EPS surprise was +5.26%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how NBT performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin (FTE): 3.4% versus the two-analyst average estimate of 3.4%.
- Average Balance - Total interest-earning assets: $12.70 billion versus $12.72 billion estimated by two analysts on average.
- Net charge-offs to average loans: 0.3% compared to the 0.2% average estimate based on two analysts.
- Total Noninterest Income: $47.45 million compared to the $44.37 million average estimate based on two analysts.
- Net interest income (FTE): $107.86 million compared to the $106.48 million average estimate based on two analysts.
View all Key Company Metrics for NBT here>>>Shares of NBT have returned -4% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.