Core Insights - NBT Bancorp reported a revenue of $186.66 million for the quarter ended September 2025, reflecting a year-over-year increase of 26.1% and a surprise of +1.89% over the Zacks Consensus Estimate of $183.2 million [1] - The earnings per share (EPS) for the quarter was $1.05, compared to $0.80 in the same quarter last year, resulting in an EPS surprise of +8.25% against the consensus estimate of $0.97 [1] Financial Performance Metrics - Total interest-earning assets averaged $14.64 billion, slightly below the estimated $14.73 billion [4] - The net interest margin (FTE) was reported at 3.7%, exceeding the average estimate of 3.6% [4] - Bank owned life insurance income was $3.24 million, surpassing the average estimate of $2.1 million [4] - Insurance services revenue reached $5.26 million, compared to the average estimate of $5.01 million [4] - Retirement plan administration fees totaled $15.91 million, slightly above the average estimate of $15.52 million [4] - Wealth management income was reported at $11.1 million, in line with the average estimate of $11.07 million [4] - Total Noninterest Income was $51.41 million, exceeding the estimated $48.74 million [4] - Service charges on deposit accounts amounted to $5.1 million, above the average estimate of $4.5 million [4] - Card services income was $6.39 million, compared to the average estimate of $6.11 million [4] Stock Performance - NBT Bancorp's shares have returned -3.8% over the past month, while the Zacks S&P 500 composite has increased by +2.5% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - Stepan Co. reported revenue of $593.26 million for Q1 2025, a 7.6% year-over-year increase, with an EPS of $0.84 compared to $0.64 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $558.6 million by 6.20%, and the EPS surpassed the consensus estimate of $0.51 by 64.71% [1] Financial Performance Metrics - Specialty Products net sales were $16.80 million, exceeding the estimated $16.50 million, reflecting an 11.4% increase year-over-year [4] - Polymers net sales reached $146.12 million, slightly above the estimated $138.70 million, with a year-over-year increase of 0.4% [4] - Surfactants net sales amounted to $430.34 million, surpassing the estimated $403.45 million, marking a 10.1% year-over-year increase [4] - Operating income for Surfactants was $28.93 million, exceeding the average estimate of $25.90 million [4] - Operating income for Specialty Products was $5.51 million, above the average estimate of $3.70 million [4] - Operating income for Polymers was $8.02 million, below the average estimate of $11.25 million [4] Stock Performance - Stepan Co. shares have returned -12.5% over the past month, compared to a -0.8% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 5 (Strong Sell), indicating potential underperformance relative to the broader market in the near term [3]