Compared to Estimates, NBT (NBTB) Q2 Earnings: A Look at Key Metrics
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 29 2025
0mins
Should l Buy NBTB?
Source: NASDAQ.COM
NBT Bancorp Financial Performance: For Q2 2025, NBT Bancorp reported a revenue of $171.81 million, reflecting a 22.4% increase year-over-year, with an EPS of $0.88, surpassing both revenue and EPS estimates.
Investment Opportunities: Zacks Investment Research highlights five stocks with potential for significant growth, suggesting they are currently undervalued and could yield high returns in the near future.
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Analyst Views on NBTB
Wall Street analysts forecast NBTB stock price to rise
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 41.410
Low
47.00
Averages
47.00
High
47.00
Current: 41.410
Low
47.00
Averages
47.00
High
47.00
About NBTB
NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services subsidiaries. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services. The Bank offers a range of products and services tailored to individuals, businesses and municipalities. The Bank’s deposit products include demand deposit accounts, savings accounts, NOW accounts, MMDA and CD accounts. The Bank’s loan products include indirect and direct consumer loans, home equity loans and mortgages. The Bank has approximately 175 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The Company operates EPIC Retirement Plan Services, which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service regional insurance agency.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Director Timothy E. Delaney Invests $1.5M in NBT Bancorp Stock
- Director Buy Signal: NBT Bancorp's Director Timothy E. Delaney made three stock purchases totaling $1.5 million over the past six months, indicating his confidence in the company's future and suggesting he views the current stock price as undervalued.
- Average Purchase Cost: Delaney's average purchase cost stands at $42.25 per share, while the current stock price is $42.40, indicating he bought shares close to his cost, reflecting his recognition of the company's value.
- Stock Price Fluctuation: NBT Bancorp's stock has seen a 52-week low of $37.31 and a high of $47.93, with the current price up approximately 13.5% from its low, suggesting signs of market recovery.
- Dividend Yield: NBT Bancorp currently pays an annualized dividend of $1.48 per share, yielding about 3.3%, with the upcoming ex-dividend date set for March 2, 2026, demonstrating the company's commitment to returning value to shareholders.
See More
NBT Bancorp Reports Strong Q4 2025 Earnings with Strategic Growth Insights
- Earnings Growth: NBT Bancorp reported a net income of $55.5 million for Q4, translating to $1.06 per diluted share, reflecting a 25% year-over-year increase, showcasing the company's success in fixed-rate asset repricing and revenue diversification.
- Return on Assets Improvement: The operating return on assets stood at 1.37%, with a sustainable 17.02% return on tangible equity and a year-end tangible book value of $26.54 per share, indicating robust performance in profitability and capital efficiency.
- Share Repurchase Program: The company repurchased 250,000 shares in Q4, demonstrating management's confidence in future growth while reflecting disciplined capital deployment amid successful integration with Evans Bancorp.
- Loan Growth Outlook: Management anticipates loan growth to remain in the mid- to lower-single-digit range for 2026, despite facing up to $175 million in unscheduled commercial real estate payoffs, indicating a cautious approach to evolving market dynamics.
See More
NBT Bancorp Q4 Earnings Exceed Expectations
- Earnings Beat: NBT Bancorp reported a Q4 GAAP EPS of $1.06, exceeding expectations by $0.08, which underscores the company's ongoing profitability and strengthens investor confidence.
- Significant Revenue Growth: The company achieved revenue of $185 million in Q4, marking a 24.6% year-over-year increase, which not only surpassed expectations by $1.97 million but also reflects its strong market performance and business expansion capabilities.
- Positive Market Reaction: The earnings beat is likely to drive NBT Bancorp's stock price upward, attracting more investor interest and enhancing market expectations for future growth.
- Strong Financial Health: The sustained revenue growth and improved profitability indicate NBT Bancorp's resilience in the current economic environment, bolstering its competitive position in the financial services industry.
See More
NBT Bancorp (NBTB) Q3 2025 Earnings Transcript
See More
NBT Bancorp to Release Q4 2025 Financial Results on January 26, 2026
- Earnings Release Schedule: NBT Bancorp will release its financial results for Q4 2025 on January 26, 2026, after market close, demonstrating the company's commitment to financial transparency.
- Conference Call Details: The company will host a conference call on January 27, 2026, at 10:00 a.m. (Eastern) to review the financial results, aiming to enhance investor communication and engagement.
- Asset Overview: As of September 30, 2025, NBT Bancorp reported total assets of $16.11 billion, indicating a solid position within the financial services industry.
- Diverse Business Structure: Operating through NBT Bank and other financial services firms, NBT Bancorp has 175 banking locations across multiple states, showcasing its market coverage capabilities.
See More
Upcoming Ex-Dividend Dates for NBT Bancorp, NetSTREIT, and Virtu Financial
Upcoming Ex-Dividend Dates: NBT Bancorp. Inc., NetSTREIT Corp, and Virtu Financial Inc Class A will trade ex-dividend on 12/1/25, with respective dividends of $0.37, $0.215, and $0.24 payable on 12/15/25.
Expected Price Adjustments: Following the ex-dividend date, shares of NBT Bancorp. Inc. are expected to drop by 0.88%, NetSTREIT Corp by 1.18%, and Virtu Financial Inc Class A by 0.68%, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized yields for the companies are 3.51% for NBT Bancorp. Inc., 4.71% for NetSTREIT Corp, and 2.72% for Virtu Financial Inc Class A, indicating potential stability in their dividend payments.
Market Performance: As of the latest trading day, NBT Bancorp. Inc. shares are down 0.5%, while NetSTREIT Corp and Virtu Financial Inc Class A shares have increased by 0.4% and 1.8%, respectively.
See More
Director Timothy E. Delaney Invests $1.5M in NBT Bancorp Stock
- Director Buy Signal: NBT Bancorp's Director Timothy E. Delaney made three stock purchases totaling $1.5 million over the past six months, indicating his confidence in the company's future and suggesting he views the current stock price as undervalued.
- Average Purchase Cost: Delaney's average purchase cost stands at $42.25 per share, while the current stock price is $42.40, indicating he bought shares close to his cost, reflecting his recognition of the company's value.
- Stock Price Fluctuation: NBT Bancorp's stock has seen a 52-week low of $37.31 and a high of $47.93, with the current price up approximately 13.5% from its low, suggesting signs of market recovery.
- Dividend Yield: NBT Bancorp currently pays an annualized dividend of $1.48 per share, yielding about 3.3%, with the upcoming ex-dividend date set for March 2, 2026, demonstrating the company's commitment to returning value to shareholders.
See More
NBT Bancorp Reports Strong Q4 2025 Earnings with Strategic Growth Insights
- Earnings Growth: NBT Bancorp reported a net income of $55.5 million for Q4, translating to $1.06 per diluted share, reflecting a 25% year-over-year increase, showcasing the company's success in fixed-rate asset repricing and revenue diversification.
- Return on Assets Improvement: The operating return on assets stood at 1.37%, with a sustainable 17.02% return on tangible equity and a year-end tangible book value of $26.54 per share, indicating robust performance in profitability and capital efficiency.
- Share Repurchase Program: The company repurchased 250,000 shares in Q4, demonstrating management's confidence in future growth while reflecting disciplined capital deployment amid successful integration with Evans Bancorp.
- Loan Growth Outlook: Management anticipates loan growth to remain in the mid- to lower-single-digit range for 2026, despite facing up to $175 million in unscheduled commercial real estate payoffs, indicating a cautious approach to evolving market dynamics.
See More
NBT Bancorp Q4 Earnings Exceed Expectations
- Earnings Beat: NBT Bancorp reported a Q4 GAAP EPS of $1.06, exceeding expectations by $0.08, which underscores the company's ongoing profitability and strengthens investor confidence.
- Significant Revenue Growth: The company achieved revenue of $185 million in Q4, marking a 24.6% year-over-year increase, which not only surpassed expectations by $1.97 million but also reflects its strong market performance and business expansion capabilities.
- Positive Market Reaction: The earnings beat is likely to drive NBT Bancorp's stock price upward, attracting more investor interest and enhancing market expectations for future growth.
- Strong Financial Health: The sustained revenue growth and improved profitability indicate NBT Bancorp's resilience in the current economic environment, bolstering its competitive position in the financial services industry.
See More
NBT Bancorp (NBTB) Q3 2025 Earnings Transcript
See More
NBT Bancorp to Release Q4 2025 Financial Results on January 26, 2026
- Earnings Release Schedule: NBT Bancorp will release its financial results for Q4 2025 on January 26, 2026, after market close, demonstrating the company's commitment to financial transparency.
- Conference Call Details: The company will host a conference call on January 27, 2026, at 10:00 a.m. (Eastern) to review the financial results, aiming to enhance investor communication and engagement.
- Asset Overview: As of September 30, 2025, NBT Bancorp reported total assets of $16.11 billion, indicating a solid position within the financial services industry.
- Diverse Business Structure: Operating through NBT Bank and other financial services firms, NBT Bancorp has 175 banking locations across multiple states, showcasing its market coverage capabilities.
See More
Upcoming Ex-Dividend Dates for NBT Bancorp, NetSTREIT, and Virtu Financial
Upcoming Ex-Dividend Dates: NBT Bancorp. Inc., NetSTREIT Corp, and Virtu Financial Inc Class A will trade ex-dividend on 12/1/25, with respective dividends of $0.37, $0.215, and $0.24 payable on 12/15/25.
Expected Price Adjustments: Following the ex-dividend date, shares of NBT Bancorp. Inc. are expected to drop by 0.88%, NetSTREIT Corp by 1.18%, and Virtu Financial Inc Class A by 0.68%, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized yields for the companies are 3.51% for NBT Bancorp. Inc., 4.71% for NetSTREIT Corp, and 2.72% for Virtu Financial Inc Class A, indicating potential stability in their dividend payments.
Market Performance: As of the latest trading day, NBT Bancorp. Inc. shares are down 0.5%, while NetSTREIT Corp and Virtu Financial Inc Class A shares have increased by 0.4% and 1.8%, respectively.
See More
