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NBT (NBTB) Reports Q1 Earnings: What Key Metrics Have to Say
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NBT Bancorp (NBTB - Free Report) reported $185.06 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 19.2%. EPS of $0.97 for the same period compares to $0.80 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $186.34 million, representing a surprise of -0.69%. The company delivered an EPS surprise of -1.02%, with the consensus EPS estimate being $0.98.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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:
Average Balance - Total interest-earning assets: $14.69 billion versus the three-analyst average estimate of $14.84 billion.
Net interest margin (FTE): 3.7% versus the three-analyst average estimate of 3.7%.
Total Noninterest Income: $50.14 million versus the three-analyst average estimate of $51.42 million.
Bank owned life insurance income: $2.66 million compared to the $3.01 million average estimate based on two analysts.
Insurance services: $4.48 million versus the two-analyst average estimate of $4.95 million.
Retirement plan administration fees: $16.57 million versus the two-analyst average estimate of $15.85 million.
Wealth management: $11.13 million versus the two-analyst average estimate of $11.77 million.
Other: $3.56 million versus the two-analyst average estimate of $4.61 million.
Service charges on deposit accounts: $5.27 million versus $5.06 million estimated by two analysts on average.
Net Interest Income: $134.35 million versus $135.26 million estimated by two analysts on average.
Card services income: $6.03 million versus $6.15 million estimated by two analysts on average.
Shares of NBT have returned +5.3% over the past month versus the Zacks S&P 500 composite's +9.7% 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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NBT (NBTB) Reports Q1 Earnings: What Key Metrics Have to Say
NBT Bancorp (NBTB - Free Report) reported $185.06 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 19.2%. EPS of $0.97 for the same period compares to $0.80 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $186.34 million, representing a surprise of -0.69%. The company delivered an EPS surprise of -1.02%, with the consensus EPS estimate being $0.98.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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:View all Key Company Metrics for NBT here>>>
Shares of NBT have returned +5.3% over the past month versus the Zacks S&P 500 composite's +9.7% 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.