For the quarter ended June 2025, NBT Bancorp (NBTB Quick QuoteNBTB - Free Report) reported revenue of $171.81 million, up 22.4% over the same period last year. EPS came in at $0.88, compared to $0.69 in the year-ago quarter.

The reported revenue represents a surprise of +0.69% over the Zacks Consensus Estimate of $170.63 million. With the consensus EPS estimate being $0.82, the EPS surprise was +7.32%.

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): 3.6% versus 3.5% estimated by three analysts on average.
• Average Balance - Total interest-earning assets: $13.96 billion versus the three-analyst average estimate of $14.03 billion.
• Net charge-offs to average loans: 0.1% versus the two-analyst average estimate of 0.2%.
• Total Noninterest Income: $46.93 million compared to the $47.79 million average estimate based on three analysts.
• Insurance services: $4.1 million versus the two-analyst average estimate of $4.13 million.
• Retirement plan administration fees: $15.71 million versus the two-analyst average estimate of $14.91 million.
• Wealth management: $10.68 million compared to the $10.79 million average estimate based on two analysts.
• Other: $3.5 million versus $4.28 million estimated by two analysts on average.
• Service charges on deposit accounts: $4.58 million versus $4.6 million estimated by two analysts on average.
• Net interest income (FTE): $124.88 million versus $121.77 million estimated by two analysts on average.
• Card services income: $6.08 million versus $5.88 million estimated by two analysts on average.

View all Key Company Metrics for NBT here>>>

Shares of NBT have returned -1.2% over the past month versus the Zacks S&P 500 composite's +4.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.