NBT Bancorp to Release Q4 2025 Financial Results on January 26, 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 02 2026
0mins
Source: Globenewswire
- 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.
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Analyst Views on NBTB
Wall Street analysts forecast NBTB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NBTB is 47.00 USD with a low forecast of 47.00 USD and a high forecast of 47.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 44.110
Low
47.00
Averages
47.00
High
47.00
Current: 44.110
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.
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.
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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.
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