NBT Bancorp Inc.
NBTBNASDAQFinancial Services● Active
$46.12
$-0.29(-0.62%)
Market Cap$2.4B
P/E Ratio—
52W High$46.945
52W Low$39.2
NBT Bancorp Inc. (NBTB) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
NBTB · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: Apr 23, 2026EPS Actual
$0.97
Est. $0.98 · -1.0%
Revenue
$0.18B
Est. $0.19B · -0.4%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
Apr 23, 2026
After Market Close
▼ Miss EPS
NBTB reports quarterly as a NASDAQ-listed Banks - Regional company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
$0.37
Rev. $0.36B
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.$0.37
Rev. Est.$0.36B
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Jul 27, 2026 | $1.02 | — | — | — | $0.19B | — |
| ▼ Q2 FY2026 | Apr 23, 2026 | $0.98 | $0.97 | -1.0% | $0.18B | $0.19B | -0.4% |
| ▲ Q1 FY2026 | Jan 26, 2026 | $0.99 | $1.05 | +6.1% | $0.19B | $0.18B | +0.8% |
| ▲ Q4 FY2025 | Oct 27, 2025 | $0.97 | $1.05 | +8.5% | $0.18B | $0.18B | -0.5% |
| ▲ Q3 FY2025 | Jul 28, 2025 | $0.82 | $0.88 | +7.3% | $0.17B | $0.18B | -7.2% |
| ▲ Q2 FY2025 | Apr 24, 2025 | $0.76 | $0.80 | +5.3% | $0.15B | $0.15B | +2.0% |
| ▼ Q1 FY2025 | Jan 27, 2025 | $0.78 | $0.77 | -1.3% | $0.15B | $0.15B | +0.8% |
| ▲ Q4 FY2024 | Oct 28, 2024 | $0.78 | $0.80 | +2.6% | $0.15B | $0.15B | +1.1% |
Q3 FY2026
Jul 27, 2026
EPS Actual
—
EPS Est.
$1.02
EPS Surpr.
—
Revenue
—
Q2 FY2026
Apr 23, 2026Miss
EPS Actual
$0.97
EPS Est.
$0.98
EPS Surpr.
-1.0%
Revenue
$0.18B
Q1 FY2026
Jan 26, 2026Beat
EPS Actual
$1.05
EPS Est.
$0.99
EPS Surpr.
+6.1%
Revenue
$0.19B
Q4 FY2025
Oct 27, 2025Beat
EPS Actual
$1.05
EPS Est.
$0.97
EPS Surpr.
+8.5%
Revenue
$0.18B
Q3 FY2025
Jul 28, 2025Beat
EPS Actual
$0.88
EPS Est.
$0.82
EPS Surpr.
+7.3%
Revenue
$0.17B
Q2 FY2025
Apr 24, 2025Beat
EPS Actual
$0.80
EPS Est.
$0.76
EPS Surpr.
+5.3%
Revenue
$0.15B
Q1 FY2025
Jan 27, 2025Miss
EPS Actual
$0.77
EPS Est.
$0.78
EPS Surpr.
-1.3%
Revenue
$0.15B
Q4 FY2024
Oct 28, 2024Beat
EPS Actual
$0.80
EPS Est.
$0.78
EPS Surpr.
+2.6%
Revenue
$0.15B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $1.16 | $1.17 | $1.19 | 1 |
| Q3 FY2027 | $1.17 | $1.18 | $1.20 | 1 |
| Q2 FY2027 | $1.10 | $1.11 | $1.13 | 1 |
| Q1 FY2027 | $1.08 | $1.09 | $1.10 | 1 |
| Q4 FY2026 | $1.09 | $1.10 | $1.12 | 1 |
| Q3 FY2026 | $1.08 | $1.09 | $1.11 | 5 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $0.2B | $0.2B | $0.2B | 1 |
| Q3 FY2027 | $0.2B | $0.2B | $0.2B | 2 |
| Q2 FY2027 | $0.2B | $0.2B | $0.2B | 2 |
| Q1 FY2027 | $0.2B | $0.2B | $0.2B | 1 |
| Q4 FY2026 | $0.2B | $0.2B | $0.2B | 2 |
| Q3 FY2026 | $0.2B | $0.2B | $0.2B | 3 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▼ Q2 FY2026 | Apr 23, 2026 | -1.0% | $44.72 | $45.29 | +1.27% |
| ▲ Q1 FY2026 | Jan 26, 2026 | +6.1% | $43.65 | $43.91 | +0.60% |
| ▲ Q4 FY2025 | Oct 27, 2025 | +8.5% | $40.92 | $40.74 | -0.44% |
| ▲ Q3 FY2025 | Jul 28, 2025 | +7.3% | $41.38 | $41.47 | +0.22% |
| ▲ Q2 FY2025 | Apr 24, 2025 | +5.3% | $41.87 | $42.36 | +1.17% |
| ▼ Q1 FY2025 | Jan 27, 2025 | -1.3% | $48.02 | $48.70 | +1.42% |
| ▲ Q4 FY2024 | Oct 28, 2024 | +2.6% | $43.58 | $45.18 | +3.67% |
| ▲ Q3 FY2024 | Jul 22, 2024 | +0.0% | $45.22 | $45.87 | +1.44% |
Q2 FY2026+1.27%
Report Date
Apr 23, 2026
EPS Beat/Miss
-1.0%
Price Before
$44.72
Price After
$45.29
Q1 FY2026+0.60%
Report Date
Jan 26, 2026
EPS Beat/Miss
+6.1%
Price Before
$43.65
Price After
$43.91
Q4 FY2025-0.44%
Report Date
Oct 27, 2025
EPS Beat/Miss
+8.5%
Price Before
$40.92
Price After
$40.74
Q3 FY2025+0.22%
Report Date
Jul 28, 2025
EPS Beat/Miss
+7.3%
Price Before
$41.38
Price After
$41.47
Q2 FY2025+1.17%
Report Date
Apr 24, 2025
EPS Beat/Miss
+5.3%
Price Before
$41.87
Price After
$42.36
Q1 FY2025+1.42%
Report Date
Jan 27, 2025
EPS Beat/Miss
-1.3%
Price Before
$48.02
Price After
$48.70
Q4 FY2024+3.67%
Report Date
Oct 28, 2024
EPS Beat/Miss
+2.6%
Price Before
$43.58
Price After
$45.18
Q3 FY2024+1.44%
Report Date
Jul 22, 2024
EPS Beat/Miss
+0.0%
Price Before
$45.22
Price After
$45.87
Avg Beat Reaction+1.11%
Avg Miss Reaction+1.34%
Beat Rate6 / 8 quarters
Largest Move+3.67% (Q4 FY2024)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: NBTB ends December
NBT Bancorp Inc. (NBTB) most recently reported earnings on April 23, 2026 for Q2 FY2026, posting EPS of $0.97 — missing the analyst consensus of $0.98 by -1.0%. The next NBTB earnings date is expected around September 1, 2026.
Each quarter, investors track NBTB earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. NBTB revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
NBTB's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
NBTB earnings · 5 questionsNBT Bancorp Inc.'s next earnings report is expected around September 1, 2026. NBTB typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; NBTB historically reports after market close (AMC).
NBTB earnings datewhen is NBTB earningsNBTB next earnings datewhen does NBTB report earningsNBTB earnings calendar
▸ Source: FMP · NBT Bancorp Inc. SEC filings · US GAAP · NBT Bancorp Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026