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Regional banking company NBT Bancorp (NASDAQ:NBTB) met Wall Street’s revenue expectations in Q2 CY2025, with sales up 21.9% year on year to $171.2 million. Its non-GAAP profit of $0.88 per share was 6.4% above analysts’ consensus estimates.
Is now the time to buy NBTB? Find out in our full research report (it’s free).
NBT Bancorp delivered results in line with Wall Street’s expectations in Q2, with a positive market reaction reflecting investor confidence in the company’s trajectory. Management credited the completed Evans Bancorp merger and ongoing asset repricing for fueling revenue growth and margin expansion. CEO Scott Kingsley highlighted productive improvements in noninterest income, a stronger tangible equity ratio, and the company’s ability to generate positive operating leverage. The integration of Evans Bancorp, including the addition of new branches and digital users, alongside improved deposit mix and diversified loan portfolio, were also identified as key contributors to the quarter’s performance.
Looking ahead, NBT Bancorp’s guidance centers on continued benefits from the Evans integration, stable funding costs, and incremental improvements in net interest margin. CFO Annette Burns stated the company anticipates further margin expansion as asset repricing continues, though the impact is expected to moderate over time. Management also cited opportunities to grow noninterest income through both organic initiatives and potential acquisitions, while remaining attentive to evolving competition and cautious business sentiment. CEO Scott Kingsley described the loan pipeline as robust but noted some customer hesitation tied to macroeconomic uncertainty, signaling a measured outlook for the remainder of the year.
Management attributed second quarter results to the successful Evans Bancorp integration, favorable asset repricing trends, and prudent balance sheet management, while highlighting both opportunities and challenges in the current operating environment.
NBT Bancorp’s outlook is shaped by ongoing Evans integration benefits, asset yield repricing, and a measured approach to growth amid competitive and macroeconomic headwinds.
In upcoming quarters, the StockStory team will watch (1) the pace of Evans Bancorp integration and the realization of both cost and revenue synergies, (2) trends in loan growth and net interest margin improvement as asset repricing slows, and (3) the stability and composition of deposits amid a shifting competitive landscape. Additionally, strategic expansion in wealth management and insurance will be important indicators of NBT Bancorp’s ability to diversify its revenue base.
NBT Bancorp currently trades at $42.86, up from $41.53 just before the earnings. At this price, is it a buy or sell? The answer lies in our full research report (it’s free).
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