What You Need to Know About NBT Bancorp Inc.'s Q3 Earnings
NBT Bancorp Inc.'s fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (NBTB) missed or beat analyst's expectations.Rosalio Madrigal
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COMPANY SUMMARY
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
Commentary & Analysis
Which Is a Better Investment, NBT Bancorp Inc. or 1st Source Corporation Stock?
Learn more about whether NBT Bancorp Inc. or 1st Source Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Which Is a Better Investment, Live Oak Bancshares, Inc. or NBT Bancorp Inc. Stock?
Learn more about whether Live Oak Bancshares, Inc. or NBT Bancorp Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Tudor Pop
Which Is a Better Investment, National Bank Holdings Corporation or NBT Bancorp Inc. Stock?
Learn more about whether National Bank Holdings Corporation or NBT Bancorp Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
Which Is a Better Investment, First Commonwealth Financial Corporation or NBT Bancorp Inc. Stock?
Learn more about whether First Commonwealth Financial Corporation or NBT Bancorp Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Financial Summary
| Share Statistics | NBTB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $2,738.3 | $716.9 | 58% |
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| Shares Out (Mil) | 52.4 | 15.7 | 49% |
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| Institutional Ownership | 97.2% | 83.0% | 73% |
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| Float (Mil) | 51.0 | 21.2 | 48% |
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| Beta | 0.49 | 0.48 | 27% |
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| Avg Daily Volume (000s) | 464 | 53 | 58% |
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| Price Change (52-week) |
24.8% | 96.7% | 65% |
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| Growth | NBTB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.1% | 7.6% | 58% |
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| Net Income (5yr) | 10.1% | 11.1% | 55% |
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| EPS (5yr) | 7.0% | 10.1% | 41 |
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| Dividends (5yr) | 5.6% | 3.6% | 85% |
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| Cash Flow (5yr) | (17.4%) | (17.0%) | 40% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 6 | 6 | 7 | |
| Current EPS | $1.090 | $4.167 | $4.536 | |
| Month Ago EPS | $1.086 | $4.168 | $4.536 | |
| # Rev Up | 1 | 1 | 2 | |
| # Rev Down | 3 | 0 | 1 | |
| Three Months Ago EPS | $1.083 | $4.158 | $4.523 | |
| Year/Year Chg | 11.2% | 25.1% | na | |
| Financials | NBTB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $697 | $190 | 46% |
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| Net Income (TTM) (Mil) | $184 | $51 | 67% |
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| EPS (TTM) | $3.540 | $2.500 | 81% |
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| Operating Cash Flow (TTM) (Mil) | $246 | $34 | 62% |
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| Net Cash Flow (TTM) (Mil) | $462 | $1 | 91% |
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| Long-Term Debt (Q1) (Mil) | $180 | $100 | 49% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | NBTB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.43 | 1.27 | 38% |
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| P/E | 14.9 | 12.9 | 35% |
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| Dividend Yield | 3.0% | 2.2% | 84% |
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| PEG (5yr hist) | 2.1 | 1.1 | 69% |
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| Ratios | NBTB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 29.6% | 28.9% | 88% |
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| ROA | 1.2% | 1.0% | 49% |
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| ROE | 10.6% | 11.1% | 59% |
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| Liabilities to Assets | 88.2% | 89.8% | 82% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
