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NBT Bancorp NBTB Q2 2025 earnings

Reported July 28, 2025 · After market close

Revenue$170.7MMiss by $13.2M
EPS$0.88Beat by $0.06
Revenue estimate$183.9M
EPS estimate$0.82

Next report

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

Financials

Q2 2025

Income statement

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Revenue$171.2M+21.9%
Net income$22.5M-31.2%
EPS (diluted)$0.44-36.2%

Balance sheet

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Cash & equivalents$541.6M+161%
Total debt$113.0M-49.7%
Total equity$1.8B+23.5%
Total assets$16.0B+18.6%

Cash flow

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Operating cash flow$46.5M-8.0%
CapEx$2.3M+69.0%
Free cash flow$44.1M-10.2%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$2.15B+18.3%
Enterprise value$1.72B-6.1%
P/E16.1×+1.2×
P/S3.5×+0.2×

Profitability

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Net margin21.4%-0.5pp
FCF margin28.3%-1.9pp

Returns & leverage

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Return on equity8.2%-0.9pp
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 Q2 2025 earnings?
NBT Bancorp (NBTB) reported Q2 2025 earnings on July 28, 2025 after market close.
What were NBT Bancorp's Q2 2025 revenue and EPS?
NBT Bancorp reported revenue of $170.7M and eps of $0.88 for Q2 2025.
Did NBT Bancorp beat estimates in Q2 2025?
Revenue missed the consensus estimate of $183.9M by $13.2M. EPS beat the consensus estimate of $0.82 by $0.06.
How did NBT Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 22.2% from $139.7M a year earlier and eps grew 27.5% from $0.69.
Where can I find NBT Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001140361-25-027601) and the 10-Q periodic report (0001140361-25-029850) directly on SEC EDGAR. The filing index links above go to sec.gov.