Financial Performance - NBT Bancorp reported revenue of $185.73 million for the quarter ended December 2025, reflecting a 24.5% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $1.05, up from $0.77 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $181.94 million by 2.08% [1] - The company delivered an EPS surprise of 6.42%, with the consensus EPS estimate being $0.99 [1] Key Metrics - Net interest margin (FTE) was reported at 3.7%, slightly above the average estimate of 3.6% [4] - Total interest-earning assets averaged $14.77 billion, compared to the average estimate of $14.72 billion [4] - Total Noninterest Income was $49.7 million, exceeding the average estimate of $47.42 million [4] - Bank owned life insurance income was $3.58 million, surpassing the average estimate of $2.77 million [4] - Insurance services income was $3.92 million, slightly below the average estimate of $4.32 million [4] - Retirement plan administration fees were $14.1 million, compared to the average estimate of $14.28 million [4] - Wealth management income was $12.03 million, exceeding the average estimate of $11.19 million [4] - Other income was reported at $4.59 million, above the average estimate of $3.72 million [4] - Service charges on deposit accounts were $5.15 million, slightly above the average estimate of $5.08 million [4] - Net interest income (FTE) was $136.02 million, compared to the average estimate of $134.81 million [4] - Card services income was $6.21 million, exceeding the average estimate of $6.04 million [4] Stock Performance - Shares of NBT have returned 2.2% over the past month, outperforming the Zacks S&P 500 composite's 0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

分组1 - SmarFinancial (SMBK) is expected to report quarterly earnings of $0.80 per share, reflecting a year-over-year increase of 40.4% [1] - Revenues are anticipated to reach $51.58 million, which is a 10.2% increase from the same quarter last year [1] - There have been no revisions in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [1] 分组2 - Analysts project the 'Efficiency Ratio' to be 63.2%, down from 69.0% in the previous year [3] - The expected 'Net Interest Margin' is 3.3%, compared to 3.2% reported in the same quarter last year [4] - The 'Average Balance - Total interest earning assets' is estimated at $5.31 billion, an increase from $4.68 billion in the same quarter last year [4] 分组3 - The consensus estimate for 'Total noninterest income' is $7.18 million, down from $9.03 million reported in the same quarter last year [5] - Analysts predict 'Net interest income (FTE)' to reach $44.52 million, compared to $38.11 million in the same quarter last year [5] - The collective estimate for 'Net interest income' stands at $44.66 million, up from $37.78 million a year ago [6] 分组4 - Over the past month, SmarFinancial shares have declined by 3.3%, while the Zacks S&P 500 composite has increased by 2.1% [6] - SmarFinancial holds a Zacks Rank 3 (Hold), suggesting its performance is expected to align with the overall market [6]

Core Insights - HBT Financial (HBT) is expected to report quarterly earnings of $0.62 per share, reflecting a 1.6% increase year over year, with revenues projected at $59.8 million, a 6% increase from the previous year [1] - There has been no revision in the consensus EPS estimate for the quarter over the past 30 days, indicating stability in analysts' projections [1][2] Financial Metrics - The consensus estimate for 'Net interest margin (FTE)' is 4.2%, up from 4.0% in the same quarter last year [4] - 'Average Balances - Interest-earning assets' are forecasted to be $4.75 billion, slightly down from $4.77 billion a year ago [4] - Analysts estimate an 'Efficiency Ratio' of 53.5%, improved from 54.2% reported in the same quarter last year [4] - 'Net interest income (FTE)' is expected to be $50.10 million, compared to $48.29 million a year prior [5] - 'Total noninterest income' is projected at $10.01 million, up from $8.71 million in the same quarter last year [5] Market Performance - HBT Financial shares have decreased by 3.4% over the past month, contrasting with a 1% increase in the Zacks S&P 500 composite [5] - HBT is currently rated with a Zacks Rank 4 (Sell), indicating expectations of underperformance relative to the overall market in the near future [5]