NBT (NBTB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2025, NBT Bancorp (NBTB) reported revenue of $186.66 million, up 26.1% over the same period last year. EPS came in at $1.05, compared to $0.80 in the year-ago quarter.

The reported revenue represents a surprise of +1.89% over the Zacks Consensus Estimate of $183.2 million. With the consensus EPS estimate being $0.97, the EPS surprise was +8.25%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how NBT performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Average Balance - Total interest-earning assets: $14.64 billion versus $14.73 billion estimated by two analysts on average.
• Net interest margin (FTE): 3.7% compared to the 3.6% average estimate based on two analysts.
• Bank owned life insurance income: $3.24 million versus the two-analyst average estimate of $2.1 million.
• Insurance services: $5.26 million compared to the $5.01 million average estimate based on two analysts.
• Retirement plan administration fees: $15.91 million versus the two-analyst average estimate of $15.52 million.
• Wealth management: $11.1 million versus the two-analyst average estimate of $11.07 million.
• Total Noninterest Income: $51.41 million versus $48.74 million estimated by two analysts on average.
• Other: $4.4 million versus the two-analyst average estimate of $4.43 million.
• Service charges on deposit accounts: $5.1 million versus the two-analyst average estimate of $4.5 million.
• Card services income: $6.39 million compared to the $6.11 million average estimate based on two analysts.

View all Key Company Metrics for NBT here>>>

Shares of NBT have returned -3.8% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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