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NBT Bancorp NBTB Card Services Income

Card Services Income at other companies

Enterprise Financial Services logo
Enterprise Financial ServicesEFSC
$2.54M+5.8%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$5.8M+47.9%
First Financial Bancorp logo
First Financial BancorpFFBC
$3.58M+8.2%
First BanCorp logo
First BanCorpFBP
$11.76M+2.5%
Bank of America logo
Bank of AmericaBAC
$1.49B-1.6%
First BanCorp logo
First BanCorpFBP
$10.11M+7.0%

Segments

By segment

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Banking$6.03M+13.4%
All Other Segments$0—
Retirement Plan Administration$0—

Other financials

Income statement

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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

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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 card services income?
NBT Bancorp (NBTB) reported card services income of $6.03M in Q1 2026.
How has NBT Bancorp's card services income changed year-over-year?
NBT Bancorp's 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 card services income?
Over 4 years (2021 to 2025), NBT Bancorp's card services income has grown at a -8.8% compound annual growth rate (CAGR), from $34.68M to $23.99M.
What does card services income mean?
This represents revenue generated from credit and debit card processing fees, interchange fees, and related cardholder services. It reflects the bank's ability to capture transaction-based income from its retail and commercial customer base.