For the quarter ended December 2025, NBT Bancorp (NBTB) reported revenue of $185.73 million, up 24.5% over the same period last year. EPS came in at $1.05, compared to $0.77 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $181.94 million, representing a surprise of +2.08%. The company delivered an EPS surprise of +6.42%, with the consensus EPS estimate being $0.99.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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:
- Net interest margin (FTE): 3.7% compared to the 3.6% average estimate based on three analysts.
- Average Balance - Total interest-earning assets: $14.77 billion compared to the $14.72 billion average estimate based on two analysts.
- Total Noninterest Income: $49.7 million compared to the $47.42 million average estimate based on three analysts.
- Bank owned life insurance income: $3.58 million versus the two-analyst average estimate of $2.77 million.
- Insurance services: $3.92 million versus the two-analyst average estimate of $4.32 million.
- Retirement plan administration fees: $14.1 million versus the two-analyst average estimate of $14.28 million.
- Wealth management: $12.03 million compared to the $11.19 million average estimate based on two analysts.
- Other: $4.59 million versus $3.72 million estimated by two analysts on average.
- Service charges on deposit accounts: $5.15 million versus $5.08 million estimated by two analysts on average.
- Net interest income (FTE): $136.02 million versus $134.81 million estimated by two analysts on average.
- Card services income: $6.21 million versus $6.04 million estimated by two analysts on average.
View all Key Company Metrics for NBT here>>>
Shares of NBT have returned +2.2% over the past month versus the Zacks S&P 500 composite's +0.2% 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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NBT Bancorp Inc. (NBTB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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