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NBT Bancorp NBTB Q1 2025 earnings

Reported April 24, 2025 · After market close

Revenue$154.0MBeat by $3.0M
EPS$0.80Beat by $0.04
Revenue estimate$151.0M
EPS estimate$0.76

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$193.8M
EPS estimate$1.09

Financials

Q1 2025

Income statement

See full
Revenue$154.7M+10.0%
Net income$36.7M+8.6%
EPS (diluted)$0.77+8.5%

Balance sheet

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Cash & equivalents$254.1M-20.4%
Total debt$85.6M-68.0%
Total equity$1.6B+8.6%
Total assets$13.9B+3.2%

Cash flow

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Operating cash flow$42.0M+14.3%
CapEx$3.7M+52.6%
Free cash flow$38.3M+11.6%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$2.03B+17.2%
Enterprise value$1.86B+10.8%
P/E14.1×-0.4×
P/S3.4×+0.2×

Profitability

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Net margin24.3%+2.0pp
FCF margin30.6%+0.3pp

Returns & leverage

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Return on equity9.5%+0.6pp
Debt / equity0.1×-0.1×

Segments

By product

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Asset Management1$11.2M+7.5%
Insurance Revenue$4.5M+5.9%

FAQ

When did NBT Bancorp report Q1 2025 earnings?
NBT Bancorp (NBTB) reported Q1 2025 earnings on April 24, 2025 after market close.
What were NBT Bancorp's Q1 2025 revenue and EPS?
NBT Bancorp reported revenue of $154.0M and eps of $0.80 for Q1 2025.
Did NBT Bancorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $151.0M by $3.0M. EPS beat the consensus estimate of $0.76 by $0.04.
Where can I find NBT Bancorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001140361-25-015461) and the 10-Q periodic report (0001140361-25-018153) directly on SEC EDGAR. The filing index links above go to sec.gov.