NBT Bancorp, Inc. (NBTB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$52.27+1.24%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NBTB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 1.9% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on growing net income and diluted earnings per share through loan growth, margin expansion, and acquisition integration.
Stated as a priority in 2 of last 2 quarters. Net income increased from $51.1 million in 2026-Q1 to $53.0 million in 2026-Q2, and diluted EPS rose from $0.98 to $1.02. Management emphasized earnings growth driven by loan growth, margin expansion, and acquisition integration, indicating delivery on this priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Net income for the second quarter of 2026 was $53.0 million, or $1.02 per diluted common share.”
“Net income for the first quarter of 2026 was $51.1 million, or $0.98 per diluted common share.”
Continue to grow net interest income and expand net interest margin through organic growth and acquisition benefits.
Stated in 2 of last 2 quarters. Net interest margin increased slightly from 3.72% in 2026-Q1 to 3.73% in 2026-Q2, while net interest income grew from $134.9 million to $137.0 million. Management linked margin expansion and income growth to acquisition and organic growth, showing delivery on this priority.
“Net interest margin on an FTE basis was 3.73%, an increase of 14 basis points from one year ago.”
“Net interest margin on an FTE basis was 3.72%, an increase of 7 basis points from prior quarter.”
Sustain and grow quarterly cash dividends to shareholders, reflecting commitment to long-term returns.
Stated in 3 of last 3 quarters. Dividend per share was $0.37 in 2026-Q1 and increased to $0.40 for 2026-Q3, marking the fourteenth consecutive annual increase. Management consistently emphasized dividend growth, demonstrating delivery on this capital allocation priority.
“Increased quarterly cash dividend for the fourteenth consecutive year to $0.40 per share in the third quarter.”
“Dividend per share was $0.37 in the first quarter of 2026.”
“Approved a second-quarter 2026 cash dividend of $0.37 per share.”
Grow total loans across business lines while maintaining strong credit quality and managing loan loss provisions.
Stated in 2 of last 2 quarters. Total loans grew from $11.55 billion in 2026-Q1 to $11.87 billion in 2026-Q2, with net charge-offs improving from 0.17% to 0.15%. Management highlighted loan growth across all lines and maintained credit quality, indicating delivery on this priority.
“Period end total loans were $11.87 billion at June 30, 2026, with growth in all business lines.”
“Period end total loans were $11.55 billion at March 31, 2026.”
Continue repurchasing shares under the announced stock repurchase program to mitigate dilution and manage capital.
Stated in 2 of last 2 quarters. The company repurchased 250,000 shares for $11.0 million in 2026-Q1 and 68,595 shares for $3.0 million in 2026-Q2 under its stock repurchase program. Management continues to execute the program as planned, demonstrating delivery on this capital allocation priority.
“Purchased 68,595 shares for $3.0 million under stock repurchase program.”
“Purchased 250,000 shares for $11.0 million under stock repurchase program.”
Over the trailing year it converted 1.27x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
9 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.