8-K ·Filed Apr 23, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▼ Bearish
Monitor next quarter for loan quality trends and provision levels, as increasing credit costs offset NIM expansion.
Final — all horizons settled through T+60d ⚠ clustered
NBTB ▲ +20.42% at T+60d
SHORT call ✗ call lost -20.42% · α vs SPY -15.34% · entry $43.25 → $52.08
T+1d
+1.73%
call -1.73% · α -1.57%
$44.00
settled 6mo ago
T+5d
+1.02%
call -1.02% · α -0.11%
$43.69
settled 6mo ago
T+20d
+6.03%
call -6.03% · α -2.01%
$45.86
settled 5mo ago
T+60d
+20.42%
call -20.42% · α -15.34%
$52.08
settled 3mo ago
Price Chart
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Executive Summary
NBT Bancorp reported Q1 2026 EPS of $0.98, missing consensus of $1.05 by 6.7%. Net interest margin expanded to 3.72%, but provision for loan losses increased. Tangible book value per share rose to $27.05.
Key Financial Metrics
EPS
$0.98
est $1.05 · -6.7%
Revenue
$184.5M
est $185.1M · -0.3% · +25.3% YoY
Rating
miss
Key Facts
- Q1 2026 EPS was $0.98 vs. consensus of $1.05
- Net interest margin was 3.72%, up 7 bps from prior quarter
- Provision for loan losses was $5.6 million, up from $3.8 million
- Tangible book value per share increased to $27.05
Financial Impact
$51.1 million net income, $0.98 EPS
epsrevenueprovisionbookValue
Risk Factors
- Rising loan loss provisions
- Commercial loan charge-offs increased
Market Snapshot
Exchange
Nasdaq
Sector
National Commercial Banks
Analyst Consensus
62% bullish (13 analysts)
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001140361-26-016398 |
| Document: ef20071127_8k.htm | 0001140361-26-016398 |
| Document: 0001140361-26-016398-index-headers.html | 0001140361-26-016398 |
| Document: 0001140361-26-016398-index.html | 0001140361-26-016398 |
| Document: 0001140361-26-016398.txt | 0001140361-26-016398 |
| 8-K Data (Synthetic) | 0001140361-26-016398 |
8 reports for NBTB
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 30, 2026 12w ago | Insider Cluster | $52.93 $52.87 | ▼ −0.11% | ▼ −2.58% | $52.97 (+0.08%) |
Jul 27, 2026 13w ago | Press Release | $53.64 $51.45 | ▼ −4.08% | ▼ −8.43% | $52.97 (−1.25%) |
Jul 1, 2026 16w ago | Press Release | $50.25 $51.57 | ▲ +2.63% | ▼ −0.80% | $52.97 (+5.41%) |
Jun 12, 2026 19w ago | Insider Cluster | $48.18 $51.15 | ▲ +6.16% | ▲ +3.38% | $52.97 (+9.94%) |
Jun 10, 2026 19w ago | Insider Cluster | $47.47 $52.27 | ▲ +10.11% | ▲ +3.94% | $52.97 (+11.59%) |
Apr 23, 2026 26w ago | 8-K | $43.25 $52.08 | ▼ −20.42% | ▼ −15.34% | $52.97 (−22.47%) |
Apr 23, 2026 26w ago | Press Release | $43.25 $52.08 | ▼ −20.42% | ▼ −15.34% | $52.97 (−22.47%) |
Apr 6, 2026 29w ago | DEFA14A | $43.69 $50.25 | ▲ +15.01% | ▲ +1.55% | $52.97 (+21.24%) |
Showing 8 of 8
US Market Status
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