Exploring Analyst Estimates for NBT (NBTB) Q4 Earnings, Beyond Revenue and EPS

Core Viewpoint - Analysts expect NBT Bancorp (NBTB) to report quarterly earnings of $0.78 per share, reflecting an 8.3% year-over-year increase, with revenues projected at $148.24 million, up 7.7% from the previous year [1] Earnings Estimates - Revisions to earnings estimates are crucial indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [2] - The consensus EPS estimate for NBTB has remained unchanged over the last 30 days, indicating a collective reevaluation by analysts [1][2] Key Metrics Forecast - Analysts forecast 'Net interest margin (FTE)' to be 3.3%, an increase from 3.2% reported in the same quarter last year [4] - 'Total Noninterest Income' is expected to reach $42.86 million, compared to $38.49 million in the previous year [4] - 'Net interest income (FTE)' is projected at $105.38 million, up from $99.84 million year-over-year [4] Stock Performance - NBT shares have decreased by 1.1% over the past month, contrasting with the S&P 500 composite's increase of 2.1% [5] - NBTB holds a Zacks Rank 2 (Buy), indicating expectations of outperforming the overall market in the near term [5]