NBT (NBTB) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Group 1 - NBT Bancorp reported $149.15 million in revenue for the quarter ended December 2024, an 8.4% year-over-year increase [1] - The EPS for the same period was $0.77, compared to $0.72 a year ago, indicating growth [1] - The reported revenue exceeded the Zacks Consensus Estimate of $148.24 million by 0.62%, while the EPS fell short of the consensus estimate of $0.78 by 1.28% [1] Group 2 - Key metrics indicate that NBT's net interest margin (FTE) was 3.3%, matching the average estimate [4] - Total Noninterest Income was reported at $42.43 million, slightly below the estimated $42.86 million [4] - Net interest income (FTE) was $106.72 million, surpassing the average estimate of $105.38 million [4] Group 3 - NBT's shares have returned -0.8% over the past month, while the Zacks S&P 500 composite increased by 1.1% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance against the broader market in the near term [3]