Here's What Key Metrics Tell Us About NBT (NBTB) Q2 Earnings

NBT Bancorp (NBTB) reported $187.3 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 9%. EPS of $1.01 for the same period compares to $0.88 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $187.52 million, representing a surprise of -0.12%. The company delivered an EPS surprise of -0.98%, with the consensus EPS estimate being $1.02.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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% versus 3.7% estimated by three analysts on average.
• Average Balance - Total interest-earning assets: $14.8 billion versus $14.77 billion estimated by three analysts on average.
• Net charge-offs to average loans: 0.2% compared to the 0.2% average estimate based on two analysts.
• Total Noninterest Income: $49.73 million versus the three-analyst average estimate of $50.09 million.
• Net Interest Income: $136.96 million versus the two-analyst average estimate of $137.23 million.
• Bank owned life insurance income: $2.51 million versus $2.7 million estimated by two analysts on average.
• Insurance services: $4.18 million versus $4.28 million estimated by two analysts on average.
• Wealth management: $10.95 million versus the two-analyst average estimate of $11.23 million.
• Card services income: $6.61 million compared to the $6.27 million average estimate based on two analysts.
• Other: $3.19 million compared to the $3.7 million average estimate based on two analysts.
• Service charges on deposit accounts: $5.19 million compared to the $5.19 million average estimate based on two analysts.
• Net interest income (FTE): $137.58 million compared to the $137.2 million average estimate based on two analysts.

View all Key Company Metrics for NBT here>>>

Shares of NBT have returned +5.6% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform 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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