NBT (NBTB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

NBT Bancorp reported Q3 2026 revenue of $195.69 million, up 4.8% year-over-year, beating consensus estimates by 1.33%. EPS of $1.11 exceeded expectations by 1.84%. The company demonstrated strong performance in net interest margin at 3.8% versus 3.7% estimate, though net charge-offs remained low at 0.1%. The stock has gained 4.6% over the past month and holds a Zacks Rank #3 (Hold) rating.