NBT Bancorp (NBTB Quick QuoteNBTB - Free Report) reported $195.69 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 4.8%. EPS of $1.11 for the same period compares to $1.05 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $193.13 million, representing a surprise of +1.33%. The company delivered an EPS surprise of +1.84%, with the consensus EPS estimate being $1.09.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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): 3.8% versus the five-analyst average estimate of 3.7%.
• Net charge-offs to average loans: 0.1% versus the five-analyst average estimate of 0.2%.
• Average Balance - Total interest-earning assets: $14.98 billion versus the four-analyst average estimate of $15.12 billion.
• Total Noninterest Income: $52.95 million compared to the $51.63 million average estimate based on five analysts.
• Net Interest Income: $142.08 million versus the three-analyst average estimate of $142.34 million.
• Net interest income (FTE): $142.74 million compared to the $141.79 million average estimate based on three analysts.
• Card services income: $6.82 million versus $6.63 million estimated by two analysts on average.
• Other: $3.89 million versus the two-analyst average estimate of $3.95 million.
• Service charges on deposit accounts: $5.89 million versus $5.2 million estimated by two analysts on average.
• Wealth management: $11.19 million compared to the $11.53 million average estimate based on two analysts.
• Insurance services: $5.4 million compared to the $5.25 million average estimate based on two analysts.
• Bank owned life insurance income: $2.4 million versus the two-analyst average estimate of $2.45 million.

View all Key Company Metrics for NBT here>>>

Shares of NBT have returned +4.6% over the past month versus the Zacks S&P 500 composite's -0.8% 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.