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NBT Bancorp NBTB Q2 2026 earnings

Reported July 27, 2026 · After market close

Revenue$186.7MMiss by $2.1M
EPS$1.01Miss by $0.01
Revenue estimate$188.8M
EPS estimate$1.02
“The second quarter demonstrated the strength and momentum of NBT's diversified banking franchise”
NBT President

Next report

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

Financials

Q2 2026

Income statement

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Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

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Cash & equivalents$294.7M-45.6%
Total debt$316.4M+180%
Total equity$1.9B+7.7%
Total assets$16.2B+1.2%

Cash flow

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Operating cash flow$61.9M+33.2%
CapEx$1.4M-41.6%
Free cash flow$60.5M+37.1%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$2.64B+22.1%
Enterprise value$2.66B+60.4%
P/E12.3×-2.1×
P/S3.6×+0.3×

Profitability

See full
Net margin28.8%+7.4pp
FCF margin33.1%+4.8pp

Returns & leverage

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Return on equity11.4%+3.3pp
Debt / equity0.2×+0.1×

FAQ

When did NBT Bancorp report Q2 2026 earnings?
NBT Bancorp (NBTB) reported Q2 2026 earnings on July 27, 2026 after market close.
What were NBT Bancorp's Q2 2026 revenue and EPS?
NBT Bancorp reported revenue of $186.7M and eps of $1.01 for Q2 2026.
Did NBT Bancorp beat estimates in Q2 2026?
Revenue missed the consensus estimate of $188.8M by $2.1M. EPS missed the consensus estimate of $1.02 by $0.01.
How did NBT Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.4% from $170.7M a year earlier and eps grew 14.8% from $0.88.
Where can I find NBT Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001140361-26-029754) and the 10-Q periodic report (0001140361-26-031820) directly on SEC EDGAR. The filing index links above go to sec.gov.