NBT Bancorp Earnings Estimate

NBTB Stock

USD 43.26 0.75 1.76%

The next projected EPS of NBT Bancorp is estimated to be 0.736 with future projections ranging from a low of 0.69 to a high of 0.77. NBT Bancorp's most recent 12-month trailing earnings per share (EPS TTM) is at 2.97. Please be aware that the consensus of earnings estimates for NBT Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.

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NBT Bancorp is projected to generate 0.736 in earnings per share on the 31st of March 2025. NBT Bancorp earnings estimates show analyst consensus about projected NBT Bancorp EPS (Earning Per Share). It derives the highest and the lowest estimates based on NBT Bancorp's historical volatility. Many public companies, such as NBT Bancorp, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm. By analyzing NBT Bancorp's earnings estimates, investors can diagnose different trends across NBT Bancorp's analyst sentiment over time as well as compare current estimates against different timeframes. At present, NBT Bancorp's Gross Profit is projected to increase significantly based on the last few years of reporting. The current year's Operating Profit Margin is expected to grow to 0.91, whereas Pretax Profit Margin is forecasted to decline to 0.24.

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For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

NBT Bancorp Earnings Estimation Breakdown

The calculation of NBT Bancorp's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of NBT Bancorp is estimated to be 0.736 with the future projection ranging from a low of 0.69 to a high of 0.77. Please be aware that this consensus of annual earnings estimates for NBT Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.

Last Reported EPS

0.77

0.69

Lowest

Expected EPS

0.736

0.77

Highest

NBT Bancorp Earnings Projection Consensus

Suppose the current estimates of NBT Bancorp's value are higher than the current market price of the NBT Bancorp stock. In this case, investors may conclude that NBT Bancorp is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and NBT Bancorp's stock will quickly adjusts to the new information provided by the consensus estimate.

Number of Analysts	Historical Accuracy	Last Reported EPS		Estimated EPS for 31st of March 2025	Current EPS (TTM)
5	95.04%	0.77		0.736	2.97

NBT Bancorp Earnings History

Earnings estimate consensus by NBT Bancorp analysts from Wall Street is used by the market to judge NBT Bancorp's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only NBT Bancorp's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

NBT Bancorp Quarterly Gross Profit

147.85 Million

At present, NBT Bancorp's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 21.38, whereas Retained Earnings Total Equity is forecasted to decline to about 575.4 M. The current year's Net Income Applicable To Common Shares is expected to grow to about 183.5 M, whereas Common Stock Shares Outstanding is forecasted to decline to about 34.9 M.

Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of NBT Bancorp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.

Hype

Prediction

Low	Estimated	High
41.59	43.23	44.87

Details

Intrinsic

Valuation

Low	Real	High
38.93	50.37	52.01

Details

Naive

Forecast

Low	Next	High
40.47	42.12	43.76

Details

5 Analysts

Consensus

Low	Target	High
50.51	55.50	61.61

Details

Note that many institutional investors and large investment bankers can move markets due to the volume of NBT assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards NBT Bancorp. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving NBT Bancorp's stock price in the short term.

NBT Bancorp Earnings per Share Projection vs Actual

Actual Earning per Share of NBT Bancorp refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering NBT Bancorp predict the company's earnings will be in the future. The higher the earnings per share of NBT Bancorp, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

NBT Bancorp Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as NBT Bancorp, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of NBT Bancorp should always be considered in relation to other companies to make a more educated investment decision.

NBT Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact NBT Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2025-01-21	2024-12-31	0.75	0.77	0.02	2
2024-10-22	2024-09-30	0.77	0.8	0.03	3
2024-07-22	2024-06-30	0.69	0.69	0.0	0
2024-04-22	2024-03-31	0.68	0.68	0.0	0
2024-01-23	2023-12-31	0.75	0.72	-0.03	4
2023-10-24	2023-09-30	0.7	0.84	0.14	20
2023-07-31	2023-06-30	0.77	0.8	0.03	3
2023-04-24	2023-03-31	0.85	0.88	0.03	3
2023-01-23	2022-12-31	0.93	0.82	-0.11	11
2022-10-25	2022-09-30	0.88	0.9	0.02	2
2022-07-25	2022-06-30	0.84	0.88	0.04	4
2022-04-25	2022-03-31	0.77	0.9	0.13	16
2022-01-26	2021-12-31	0.85	0.86	0.01	1
2021-10-26	2021-09-30	0.81	0.86	0.05	6
2021-07-26	2021-06-30	0.77	0.92	0.15	19
2021-04-26	2021-03-31	0.72	0.9	0.18	25
2021-01-27	2020-12-31	0.69	0.85	0.16	23
2020-10-26	2020-09-30	0.6	0.8	0.2	33
2020-07-27	2020-06-30	0.46	0.56	0.1	21
2020-04-27	2020-03-31	0.52	0.25	-0.27	51
2020-01-27	2019-12-31	0.65	0.65	0.0	0
2019-10-28	2019-09-30	0.67	0.71	0.04	5
2019-07-22	2019-06-30	0.66	0.69	0.03	4
2019-04-22	2019-03-31	0.63	0.66	0.03	4
2019-01-28	2018-12-31	0.65	0.81	0.16	24
2018-10-22	2018-09-30	0.65	0.67	0.02	3
2018-07-23	2018-06-30	0.62	0.64	0.02	3
2018-04-23	2018-03-31	0.58	0.59	0.01	1
2018-01-22	2017-12-31	0.52	0.5	-0.02	3
2017-10-23	2017-09-30	0.5	0.52	0.02	4
2017-07-24	2017-06-30	0.48	0.49	0.01	2
2017-04-24	2017-03-31	0.46	0.46	0.0	0
2017-01-23	2016-12-31	0.45	0.46	0.01	2
2016-10-24	2016-09-30	0.45	0.46	0.01	2
2016-07-25	2016-06-30	0.44	0.46	0.02	4
2016-04-25	2016-03-31	0.42	0.43	0.01	2
2016-01-25	2015-12-31	0.43	0.39	-0.04	9
2015-10-26	2015-09-30	0.43	0.45	0.02	4
2015-07-27	2015-06-30	0.42	0.44	0.02	4
2015-04-27	2015-03-31	0.42	0.41	-0.01	2
2015-01-26	2014-12-31	0.44	0.42	-0.02	4
2014-10-27	2014-09-30	0.44	0.45	0.01	2
2014-07-28	2014-06-30	0.42	0.43	0.01	2
2014-04-28	2014-03-31	0.41	0.42	0.01	2
2014-01-27	2013-12-31	0.42	0.42	0.0	0
2013-10-28	2013-09-30	0.41	0.44	0.03	7
2013-07-22	2013-06-30	0.39	0.4	0.01	2
2013-04-22	2013-03-31	0.41	0.39	-0.02	4
2013-01-28	2012-12-31	0.41	0.39	-0.02	4
2012-10-22	2012-09-30	0.39	0.43	0.04	10
2012-07-23	2012-06-30	0.38	0.4	0.02	5
2012-04-23	2012-03-31	0.4	0.41	0.01	2
2012-01-23	2011-12-31	0.42	0.41	-0.01	2
2011-10-24	2011-09-30	0.43	0.45	0.02	4
2011-07-25	2011-06-30	0.44	0.43	-0.01	2
2011-04-25	2011-03-31	0.41	0.41	0.0	0
2011-01-24	2010-12-31	0.41	0.42	0.01	2
2010-10-25	2010-09-30	0.42	0.42	0.0	0
2010-07-26	2010-06-30	0.42	0.42	0.0	0
2010-04-26	2010-03-31	0.4	0.41	0.01	2
2010-01-25	2009-12-31	0.39	0.4	0.01	2
2009-10-26	2009-09-30	0.39	0.4	0.01	2
2009-07-27	2009-06-30	0.35	0.34	-0.01	2
2009-04-27	2009-03-31	0.39	0.4	0.01	2
2009-01-26	2008-12-31	0.46	0.45	-0.01	2
2008-10-27	2008-09-30	0.45	0.46	0.01	2
2008-07-28	2008-06-30	0.43	0.45	0.02	4
2008-04-28	2008-03-31	0.42	0.43	0.01	2
2008-01-28	2007-12-31	0.26	0.28	0.02	7
2007-10-22	2007-09-30	0.42	0.46	0.04	9
2007-07-23	2007-06-30	0.42	0.36	-0.06	14
2007-04-23	2007-03-31	0.4	0.41	0.01	2
2007-01-22	2006-12-31	0.4	0.4	0.0	0
2006-10-23	2006-09-30	0.41	0.43	0.02	4
2006-07-24	2006-06-30	0.41	0.41	0.0	0
2006-04-24	2006-03-31	0.4	0.4	0.0	0
2006-01-23	2005-12-31	0.4	0.4	0.0	0
2005-10-24	2005-09-30	0.41	0.41	0.0	0
2005-07-25	2005-06-30	0.4	0.4	0.0	0
2005-04-25	2005-03-31	0.4	0.39	-0.01	2
2005-01-24	2004-12-31	0.39	0.38	-0.01	2
2004-10-25	2004-09-30	0.38	0.38	0.0	0
2004-07-26	2004-06-30	0.37	0.38	0.01	2
2004-04-26	2004-03-31	0.37	0.37	0.0	0
2004-01-26	2003-12-31	0.36	0.36	0.0	0
2003-10-27	2003-09-30	0.35	0.36	0.01	2
2003-07-28	2003-06-30	0.35	0.36	0.01	2
2003-04-28	2003-03-31	0.34	0.35	0.01	2
2003-01-27	2002-12-31	0.33	0.34	0.01	3
2002-10-29	2002-09-30	0.32	0.33	0.01	3
2002-07-22	2002-06-30	0.3	0.32	0.02	6
2002-04-22	2002-03-31	0.29	0.33	0.04	13
2001-07-24	2001-06-30	0.32	0.19	-0.13	40
2001-04-27	2001-03-31	0.29	0.33	0.04	13
2001-01-23	2000-12-31	0.28	0.23	-0.05	17
2000-10-23	2000-09-30	0.29	0.22	-0.07	24
2000-07-25	2000-06-30	0.33	0.28	-0.05	15
2000-04-25	2000-03-31	0.32	0.29	-0.03	9
2000-01-24	1999-12-31	0.33	0.34	0.01	3
1999-10-19	1999-09-30	0.36	0.36	0.0	0
1999-04-14	1999-03-31	0.3	0.37	0.07	23
1999-01-26	1998-12-31	0.36	0.34	-0.02	5
1998-10-13	1998-09-30	0.3	0.35	0.05	16
1998-04-08	1998-03-31	0.3	0.37	0.07	23
1998-01-16	1997-12-31	0.29	0.27	-0.02	6
1997-10-07	1997-09-30	0.3	0.28	-0.02	6
1997-07-07	1997-06-30	0.27	0.3	0.03	11
1997-04-08	1997-03-31	0.24	0.26	0.02	8
1997-01-21	1996-12-31	0.25	0.25	0.0	0
1996-10-08	1996-09-30	0.22	0.25	0.03	13
1996-07-23	1996-06-30	0.2	0.21	0.01	5
1996-04-22	1996-03-31	0.19	0.22	0.03	15
1996-01-23	1995-12-31	0.17	0.19	0.02	11

About NBT Bancorp Earnings Estimate

The earnings estimate module is a useful tool to check what professional financial analysts are assuming about the future of NBT Bancorp earnings. We show available consensus EPS estimates for the upcoming years and quarters. Investors can also examine how these consensus opinions have evolved historically. We show current NBT Bancorp estimates, future projections, as well as estimates 1, 2, and three years ago. Investors can search for a specific entity to conduct investment planning and build diversified portfolios. Please note, earnings estimates provided by Macroaxis are the average expectations of expert analysts that we track. If a given stock such as NBT Bancorp fails to match professional earnings estimates, it usually performs purely. Wall Street refers to that as a 'negative surprise.' If a company 'beats' future estimates, it's usually called an 'upside surprise.'

Please read more on our stock advisor page.

	Last Reported	Projected for Next Year
Retained Earnings	1.1 B	1.2 B
Retained Earnings Total Equity	1.1 B	575.4 M
Earning Assets	2 B	2 B
Earnings Yield	0.06	0.05
Price Earnings Ratio	16.17	21.38
Price Earnings To Growth Ratio	1.54	0.89

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When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock:

How To Invest In NBT

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Is NBT Stock a good investment?

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What is NBT Bancorp's Net Worth?

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For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

You can also try the Stock Screener module to find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook..

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.184

Dividend Share

1.32

Earnings Share

2.97

Revenue Per Share

11.817

Quarterly Revenue Growth

0.145

The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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NBT Bancorp Earnings Estimate

NBT Bancorp Earnings Estimation Breakdown

NBT Bancorp Earnings Projection Consensus

NBT Bancorp Earnings History

NBT Bancorp Quarterly Gross Profit

147.85 Million

NBT Bancorp Earnings per Share Projection vs Actual

NBT Bancorp Estimated Months Earnings per Share

NBT Quarterly Analyst Estimates and Surprise Metrics

About NBT Bancorp Earnings Estimate

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