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NBT Bancorp NBTB Banking — Card Services Income

Other segment segments

All Other Segments
$0—
Retirement Plan Administration
$0—

Similar metrics at other companies

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EFSCCard services revenue — Total noninterest income
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FCNCACardholder services, net — Noninterest income
$38M-7.3%

Other financials

Income statement

See full
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

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

See full
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×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept nbtb:CardServicesIncome.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's banking — card services income?
NBT Bancorp (NBTB) reported banking — card services income of $6.03M in Q1 2026.
How has NBT Bancorp's banking — card services income changed year-over-year?
NBT Bancorp's banking — card services income increased by 13.4% year-over-year, from $5.32M to $6.03M.
What is the long-term trend for NBT Bancorp's banking — card services income?
Over 3 years (2022 to 2025), NBT Bancorp's banking — card services income has grown at a -6.2% compound annual growth rate (CAGR), from $29.06M to $23.99M.
What does banking — card services income mean?
This reflects income earned from credit and debit card processing, interchange fees, and related cardholder services. It serves as a recurring, transaction-based revenue stream that diversifies the bank's income beyond traditional interest margins.