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NBT Bancorp NBTB Q3 2025 earnings

Reported October 27, 2025 · After market close

Revenue$183.0MMiss by $842.7K
EPS$1.05Beat by $0.08
Revenue estimate$183.8M
EPS estimate$0.97

Next report

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

Financials

Q3 2025

Income statement

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Revenue$186.1M+26.2%
Net income$54.5M+43.0%
EPS (diluted)$1.03+28.7%

Balance sheet

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Cash & equivalents$640.2M+32.7%
Total debt$138.7M-32.3%
Total equity$1.9B+21.8%
Total assets$16.1B+16.4%

Cash flow

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Operating cash flow$80.6M+54.6%
CapEx$6.2M+44.9%
Free cash flow$74.3M+55.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.19B+4.9%
Enterprise value$1.69B-6.7%
P/E14.6×-0.8×
P/S3.3×-0.4×

Profitability

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Net margin22.7%-1.2pp
FCF margin30.6%+1.7pp

Returns & leverage

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Return on equity8.9%-0.5pp
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 Q3 2025 earnings?
NBT Bancorp (NBTB) reported Q3 2025 earnings on October 27, 2025 after market close.
What were NBT Bancorp's Q3 2025 revenue and EPS?
NBT Bancorp reported revenue of $183.0M and eps of $1.05 for Q3 2025.
Did NBT Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $183.8M by $842.7K. EPS beat the consensus estimate of $0.97 by $0.08.
How did NBT Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 24.6% from $146.9M a year earlier and eps grew 31.3% from $0.80.
Where can I find NBT Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001140361-25-039473) and the 10-Q periodic report (0001140361-25-041148) directly on SEC EDGAR. The filing index links above go to sec.gov.