Monitor next quarter's loan growth and credit trends closely — elevated commercial payoffs and rising provision expense suggest potential headwinds. The modest NIM expansion may not be enough to offset slowing balance sheet momentum.
Price Chart
Executive Summary
NBT Bancorp reported Q1 2026 EPS of $0.98, missing the $1.05 consensus estimate by 6.7%, with revenue of $184.5M (net interest income + noninterest income) in line with expectations. Results reflect margin expansion and solid loan growth, but a sequential decline from prior quarter's $1.06/share and elevated provision expense weighed on performance.
Key Financial Metrics
Key Facts
- Q1 2026 diluted EPS was $0.98 vs. $1.05 in Q4 2025 and $0.77 in Q1 2025
- EPS missed $1.05 consensus by 6.7%, reversing a prior beat in Q4 2025
- Net interest margin expanded 7 bps to 3.72% (FTE), driven by lower funding costs
- Loans totaled $11.55B, down $50.9M QoQ, with commercial payoffs remaining elevated
- Provision for loan losses increased to $5.6M from $3.8M in prior quarter
- Stock repurchase of $11.0M completed; 1.5M shares remain authorized
Financial Impact
EPS miss of $0.07 vs. consensus, $5.6M provision expense increase
Risk Factors
- Elevated commercial loan payoffs limiting asset growth
- Rising provision for loan losses despite stable credit quality
- Sequential decline in earnings from strong prior quarter
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3280395 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Jul 30, 2026 12w ago | Insider Cluster | $52.93 $52.87 | ▼ −0.11% | ▼ −2.58% | $52.89 (−0.08%) |
Jul 27, 2026 13w ago | Press Release | $53.64 $51.45 | ▼ −4.08% | ▼ −8.43% | $52.89 (−1.40%) |
Jul 1, 2026 16w ago | Press Release | $50.25 $51.57 | ▲ +2.63% | ▼ −0.80% | $52.89 (+5.25%) |
Jun 12, 2026 19w ago | Insider Cluster | $48.18 $51.15 | ▲ +6.16% | ▲ +3.38% | $52.89 (+9.78%) |
Jun 10, 2026 19w ago | Insider Cluster | $47.47 $52.27 | ▲ +10.11% | ▲ +3.94% | $52.89 (+11.42%) |
Apr 23, 2026 26w ago | 8-K | $43.25 $52.08 | ▼ −20.42% | ▼ −15.34% | $52.89 (−22.29%) |
Apr 23, 2026 26w ago | Press Release | $43.25 $52.08 | ▼ −20.42% | ▼ −15.34% | $52.89 (−22.29%) |
Apr 6, 2026 29w ago | DEFA14A | $43.69 $50.25 | ▲ +15.01% | ▲ +1.55% | $52.89 (+21.06%) |
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