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NBT Bancorp NBTB Q1 2026 earnings

Reported April 23, 2026 · After market close

Revenue$184.5MMiss by $772.5K
EPS$0.97Miss by $0.01
Revenue estimate$185.3M
EPS estimate$0.98

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$193.7M
EPS estimate$1.09

Financials

Q1 2026

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%
Free cash flow$48.6M+26.9%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$2.22B+9.7%
Enterprise value$1.62B-12.6%
P/E12.1×-2.0×
P/S3.1×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp
Debt / equity0.1×0.0×

FAQ

When did NBT Bancorp report Q1 2026 earnings?
NBT Bancorp (NBTB) reported Q1 2026 earnings on April 23, 2026 after market close.
What were NBT Bancorp's Q1 2026 revenue and EPS?
NBT Bancorp reported revenue of $184.5M and eps of $0.97 for Q1 2026.
Did NBT Bancorp beat estimates in Q1 2026?
Revenue missed the consensus estimate of $185.3M by $772.5K. EPS missed the consensus estimate of $0.98 by $0.01.
How did NBT Bancorp's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.8% from $154.0M a year earlier and eps grew 21.2% from $0.80.
Where can I find NBT Bancorp's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001140361-26-016398) and the 10-Q periodic report (0001140361-26-020019) directly on SEC EDGAR. The filing index links above go to sec.gov.