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NBT Bancorp NBTB Q4 2025 Annual earnings

Reported January 26, 2026 · After market close

Revenue$185.1MBeat by $1.5M
EPS$1.05Beat by $0.06
Revenue estimate$183.6M
EPS estimate$0.99

Next report

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

Financials

Q4 2025

Income statement

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Revenue$185.1M+24.7%
Net income$55.5M+54.2%
EPS (diluted)$1.07+40.8%

Balance sheet

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Cash & equivalents$487.1M+71.5%
Total debt$181.2M-6.2%
Total equity$1.9B+24.2%
Total assets$16.0B+16.0%

Cash flow

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Operating cash flow$66.1M+34.5%
CapEx$4.0M+11.0%
Free cash flow$62.1M+36.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.17B-3.6%
Enterprise value$1.87B-13.7%
P/E12.8×-3.2×
P/S3.1×-0.8×

Profitability

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Net margin24.3%-0.1pp
FCF margin31.4%+0.8pp

Returns & leverage

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Return on equity9.9%+0.4pp
Debt / equity0.1×0.0×

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 Q4 2025 earnings?
NBT Bancorp (NBTB) reported Q4 2025 earnings on January 26, 2026 after market close.
What were NBT Bancorp's Q4 2025 revenue and EPS?
NBT Bancorp reported revenue of $185.1M and eps of $1.05 for Q4 2025.
Did NBT Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $183.6M by $1.5M. EPS beat the consensus estimate of $0.99 by $0.06.
How did NBT Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.2% from $147.9M a year earlier and eps grew 36.4% from $0.77.
Where can I find NBT Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001140361-26-002399) and the 10-K periodic report (0001140361-26-007179) directly on SEC EDGAR. The filing index links above go to sec.gov.