# NBT Bancorp (NBTB) — Earnings

NBTB · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/nbtb/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q2 2026 |
| Period end | Jun 30, 2026 |
| EPS actual | $1.01 |
| EPS estimate | $1.02 |
| EPS surprise | −1.26% |
| Revenue surprise | −1.13% |
| Revenue | $186.7M |
| Revenue estimate | $188.8M |
| Reported | Jul 27, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/2b7135ff-c7be-dc4f-37ae-8867acd9d30c.html) |

NBT Bancorp reported Q2 2026 results on July 27, 2026. Earnings per share were $1.01, just below the $1.02 estimate, a miss of 1.26%. Revenue was $186.7 million, 1.13% short of the $188.8 million consensus. Compared with Q2 2025, EPS rose about 15% from $0.88 and revenue rose about 9% from $171.2 million.

It was the second small miss in a row, after Q1 2026 came in 0.73% below forecast. Before that, NBT beat or matched the estimate in 8 straight quarters. Over the 20 quarters in the table it beat 15 times. Annual EPS eased from $3.56 in 2022 to $3.24 in 2023 and $2.94 in 2024, then rose about 29% to $3.78 in 2025. Revenue grew in every one of those years, from $513.5 million to $697.1 million. The first half of 2026 adds up to $1.98 per share, about 18% more than a year earlier. Q2 2026 revenue is the highest in the table, and EPS of $1.05 in Q3 and Q4 2025 marks the high.

Q3 results came between October 24 and October 28 in each of the past five years. That points to late October 2026 for the next report.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 27, 2026 | $1.02 | $1.01 | -1.26% | $188.8M | $186.7M |
| Q1 2026 | Apr 23, 2026 | $0.98 | $0.97 | -0.73% | $185.3M | $184.5M |
| Q4 2025 | Jan 26, 2026 | $0.99 | $1.05 | 6.06% | $183.6M | $185.1M |
| Q3 2025 | Oct 27, 2025 | $0.97 | $1.05 | 8.44% | $183.8M | $186.1M |
| Q2 2025 | Jul 28, 2025 | $0.83 | $0.88 | 6.40% | $170.9M | $171.2M |
| Q1 2025 | Apr 24, 2025 | $0.74 | $0.80 | 7.86% | $151.0M | $154.7M |
| Q4 2024 | Jan 27, 2025 | $0.77 | $0.77 | 0.47% | $147.1M | $148.5M |
| Q3 2024 | Oct 28, 2024 | $0.77 | $0.80 | 3.56% | $145.2M | $147.4M |
| Q2 2024 | Jul 22, 2024 | $0.69 | $0.69 | 0.73% | $139.3M | $140.4M |
| Q1 2024 | Apr 22, 2024 | $0.68 | $0.68 | 0.00% | $135.7M | $140.6M |
| Q4 2023 | Jan 23, 2024 | $0.75 | $0.72 | -3.78% | $139.0M | $137.7M |
| Q3 2023 | Oct 24, 2023 | $0.77 | $0.84 | 9.09% | $130.2M | $135.1M |
| Q2 2023 | Jul 31, 2023 | $0.79 | $0.80 | 1.27% | $127.7M | $121.1M |
| Q1 2023 | Apr 24, 2023 | $0.85 | $0.88 | 3.32% | $133.7M | $126.5M |
| Q4 2022 | Jan 23, 2023 | $0.93 | $0.85 | -8.17% | $133.6M | $133.9M |
| Q3 2022 | Oct 25, 2022 | $0.88 | $0.91 | 3.35% | $130.0M | $131.7M |
| Q2 2022 | Jul 25, 2022 | $0.85 | $0.89 | 5.14% | $124.8M | $124.9M |
| Q1 2022 | Apr 25, 2022 | $0.77 | $0.91 | 18.31% | $121.4M | $123.0M |
| Q4 2021 | Jan 26, 2022 | $0.84 | $0.87 | 3.71% | $121.7M | $126.3M |
| Q3 2021 | Oct 26, 2021 | $0.81 | $0.87 | 8.25% | $119.4M | $118.0M |

## Frequently Asked Questions

### When did NBT Bancorp (NBTB) last report earnings?

NBT Bancorp last reported on Jul 27, 2026, covering fiscal Q2 2026.

### Did NBTB beat earnings estimates?

No. NBT Bancorp reported EPS of $1.01 for Q2 2026 against a $1.02 estimate — a 1.26% miss.

### How much revenue did NBTB report last quarter?

NBT Bancorp reported $186.7M in revenue for Q2 2026, against a consensus estimate of $188.8M.

## Similar Stocks

- [UCB](https://www.lighthorse.io/tickers/ucb) — United Community Banks, Inc. Common Stock
- [HOPE](https://www.lighthorse.io/tickers/hope) — Hope Bancorp, Inc. - Common Stock
- [UBSI](https://www.lighthorse.io/tickers/ubsi) — United Bankshares, Inc. - Common Stock
- [STBA](https://www.lighthorse.io/tickers/stba) — S&T Bancorp, Inc. - Common Stock
- [PRK](https://www.lighthorse.io/tickers/prk) — Park National Corporation Common Stock
- [CBU](https://www.lighthorse.io/tickers/cbu) — Community Financial System, Inc. Common Stock
- [FCF](https://www.lighthorse.io/tickers/fcf) — First Commonwealth Financial Corporation Common Stock
- [NWBI](https://www.lighthorse.io/tickers/nwbi) — Northwest Bancshares, Inc. - Common Stock
- [SFNC](https://www.lighthorse.io/tickers/sfnc) — Simmons First National Corporation - Common Stock
- [BUSE](https://www.lighthorse.io/tickers/buse) — First Busey Corporation - Common Stock

---

Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).