NBT Bancorp Inc (NBTB) Earning Prediction
NBT Bancorp Inc (NBTB) is set to release its earnings performance on 01/26 16:15:00 ET in After Hours trading. Consensus forecasts predict a revenue of 181.94M and an earnings per share (EPS) of 0.99 for the . With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
Earnings Surprise Analysis
NBTB Transcript
The earnings call highlighted strong financial performance with consistent dividend growth, strategic branch expansion, and a disciplined approach to loan pricing. Despite some market tensions and cautious credit practices, the company shows resilience and growth potential. The Q&A revealed stable NIM outlook and rational competition, with positive sentiment from analysts. The dividend hike and strategic investments in key regions support a positive outlook, while the market cap suggests moderate stock price movement.
The earnings call presents mixed signals. While there are positive developments such as cost savings from the merger, stable asset quality, and a focus on growth in key markets, there are also concerns about margin pressures and lack of clarity in some management responses. The Q&A section did not reveal significant risks but highlighted potential margin pressure and a lack of market depth for solar loans. Given the market cap, the stock is likely to experience limited volatility, resulting in a neutral stock price movement over the next two weeks.
The earnings call reveals strong financial performance with increased net income, revenue growth, and improved net interest margin. The Evans Bancorp merger is expected to enhance services and expand the customer base. The Q&A section highlights opportunities in wealth management and insurance, with no significant concerns in asset quality. Despite competitive loan pricing, the bank maintains a positive outlook on loan growth and liquidity deployment. Overall, the financial health and strategic initiatives suggest a positive sentiment for the stock price over the next two weeks.
The earnings call presents a mixed yet overall positive outlook. Financial performance is strong, with increased net income, revenues, and net interest margin. The merger with Evans Bancorp and investment in the semiconductor corridor indicate strategic growth potential. Despite risks in economic conditions and interest rates, the company maintains disciplined pricing and loan growth. The dividend increase and shareholder equity growth further support positive sentiment. The Q&A section highlights consistent demand and competitive pricing, although macro uncertainties slightly temper expectations. Considering the market cap, the stock is likely to see a positive movement of 2% to 8%.
NBTB Report
Frequently Asked Questions
What is the NBT Bancorp Inc {quarter} Earnings Release Date and Time?
NBT Bancorp Inc (NBTB) is scheduled to release its {quarter} earnings report on Jan 26, 2026, After Hours (approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for NBT Bancorp Inc {quarter} Revenue and EPS?
Analysts' consensus predicts 181.94M in revenue and an EPS of 0.99 for NBT Bancorp Inc's {quarter}.
What Does Intellectia's AI Predict for NBT Bancorp Inc {quarter} Earnings?
Intellectia's exclusive AI algorithms forecast a {conclusion} for NBT Bancorp Inc's {quarter} earnings, with a prediction date of Jan 26, 2026. NBT Bancorp Inc {summary}
How Can I Use This Earnings Prediction to Trade NBTB Stock?
Leverage Intellectia's AI forecast to position trades ahead of the Jan 26, 2026 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like NBT Bancorp Inc {quarter}?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company's earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They're updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
