Spoken Alpha
NBTB
NBT BANCORP INC
Overview
NBT Bancorp operates a bank holding company providing commercial, retail and wealth management banking services through NBT Bank, National Association, primarily serving upstate New York, northeastern Pennsylvania, and New England.
NBT BANCORP INC is a Financial Services company operating in Banks - Regional with a $2.43B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 26, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2419 Q&A exchanges
- Q4 FY2025Earnings2026-01-2716 Q&A exchanges
- Q3 FY2025Earnings2025-10-2817 Q&A exchanges
- Q2 FY2025Earnings2025-07-2921 Q&A exchanges
- Q1 FY2025Earnings2025-04-2518 Q&A exchanges
- Q4 FY2024Earnings2025-01-2832 Q&A exchanges
- Q3 FY2024Earnings2024-10-2911 Q&A exchanges
- Q2 FY2024Earnings2024-07-2315 Q&A exchanges
- Q1 FY2024Earnings2024-04-2326 Q&A exchanges
- Q4 FY2023Earnings2024-01-2413 Q&A exchanges
- Q3 FY2023Earnings2023-10-2518 Q&A exchanges
- Q2 FY2023Earnings2023-08-0126 Q&A exchanges
- Q1 FY2023Earnings2023-04-2518 Q&A exchanges
- Q4 FY2022Earnings2023-01-2426 Q&A exchanges
- Q3 FY2022Earnings2022-10-2610 Q&A exchanges
- Q2 FY2022Earnings2022-07-2615 Q&A exchanges
- Q1 FY2022Earnings2022-04-2618 Q&A exchanges
- Q4 FY2021Earnings2022-01-2717 Q&A exchanges
- Q3 FY2021Earnings2021-10-2713 Q&A exchanges
- Q2 FY2021Earnings2021-07-2714 Q&A exchanges
- Q1 FY2021Earnings2021-04-2718 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-26EPS— vs $1.02—Rev— vs ——EODHD
- Q1 FY20262026-04-22EPS$0.97 vs $0.98-1.0%Rev$232.8M vs ——EODHD
- Q4 FY20252026-01-25EPS$1.05 vs $0.99+6.1%Rev$238.2M vs ——EODHD
- Q3 FY20252025-10-26EPS$1.05 vs $0.97+8.3%Rev$238.8M vs ——EODHD
- Q2 FY20252025-07-27EPS$0.88 vs $0.83+6.0%Rev$224.0M vs ——EODHD
- Q1 FY20252025-04-23EPS$0.77 vs $0.74+4.0%Rev$201.2M vs ——EODHD
- Q4 FY20242025-01-26EPS$0.77 vs $0.76+1.3%Rev$199.5M vs ——EODHD
- Q3 FY20242024-10-27EPS$0.80 vs $0.77+3.9%Rev$201.4M vs ——EODHD
- Q2 FY20242024-07-21EPS$0.69 vs $0.690.0%Rev$193.3M vs ——EODHD
- Q1 FY20242024-04-21EPS$0.68 vs $0.680.0%Rev$191.8M vs ——EODHD
- Q4 FY20232024-01-22EPS$0.72 vs $0.76-5.3%Rev$188.9M vs ——EODHD
- Q3 FY20232023-10-23EPS$0.84 vs $0.77+9.1%Rev$176.8M vs ——EODHD
- Q2 FY20232023-07-30EPS$0.80 vs $0.74+8.1%Rev$151.9M vs ——EODHD
- Q1 FY20232023-04-23EPS$0.88 vs $0.85+3.5%Rev$144.7M vs ——EODHD
- Q4 FY20222023-01-22EPS$0.86 vs $0.91-5.5%Rev$142.3M vs ——EODHD
- Q3 FY20222022-10-24EPS$0.90 vs $0.88+2.3%Rev$135.8M vs ——EODHD
- Q2 FY20222022-07-24EPS$0.88 vs $0.84+4.8%Rev$132.4M vs ——EODHD
- Q1 FY20222022-04-24EPS$0.90 vs $0.77+16.9%Rev$126.5M vs ——EODHD
- Q4 FY20212022-01-25EPS$0.86 vs $0.84+2.4%Rev$129.5M vs ——EODHD
- Q3 FY20212021-10-25EPS$0.90 vs $0.81+11.1%Rev$121.8M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-26 | — | $1.02 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-22 | $0.97 | $0.98 | -1.0% | $232.8M | — | — | EODHD |
| Q4 FY2025 | 2026-01-25 | $1.05 | $0.99 | +6.1% | $238.2M | — | — | EODHD |
| Q3 FY2025 | 2025-10-26 | $1.05 | $0.97 | +8.3% | $238.8M | — | — | EODHD |
| Q2 FY2025 | 2025-07-27 | $0.88 | $0.83 | +6.0% | $224.0M | — | — | EODHD |
| Q1 FY2025 | 2025-04-23 | $0.77 | $0.74 | +4.0% | $201.2M | — | — | EODHD |
| Q4 FY2024 | 2025-01-26 | $0.77 | $0.76 | +1.3% | $199.5M | — | — | EODHD |
| Q3 FY2024 | 2024-10-27 | $0.80 | $0.77 | +3.9% | $201.4M | — | — | EODHD |
| Q2 FY2024 | 2024-07-21 | $0.69 | $0.69 | 0.0% | $193.3M | — | — | EODHD |
| Q1 FY2024 | 2024-04-21 | $0.68 | $0.68 | 0.0% | $191.8M | — | — | EODHD |
| Q4 FY2023 | 2024-01-22 | $0.72 | $0.76 | -5.3% | $188.9M | — | — | EODHD |
| Q3 FY2023 | 2023-10-23 | $0.84 | $0.77 | +9.1% | $176.8M | — | — | EODHD |
| Q2 FY2023 | 2023-07-30 | $0.80 | $0.74 | +8.1% | $151.9M | — | — | EODHD |
| Q1 FY2023 | 2023-04-23 | $0.88 | $0.85 | +3.5% | $144.7M | — | — | EODHD |
| Q4 FY2022 | 2023-01-22 | $0.86 | $0.91 | -5.5% | $142.3M | — | — | EODHD |
| Q3 FY2022 | 2022-10-24 | $0.90 | $0.88 | +2.3% | $135.8M | — | — | EODHD |
| Q2 FY2022 | 2022-07-24 | $0.88 | $0.84 | +4.8% | $132.4M | — | — | EODHD |
| Q1 FY2022 | 2022-04-24 | $0.90 | $0.77 | +16.9% | $126.5M | — | — | EODHD |
| Q4 FY2021 | 2022-01-25 | $0.86 | $0.84 | +2.4% | $129.5M | — | — | EODHD |
| Q3 FY2021 | 2021-10-25 | $0.90 | $0.81 | +11.1% | $121.8M | — | — | EODHD |
Source: EODHD. NBTB reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks NBTB's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 8/10 quarters but stock falls 90% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Missed in 2 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.29 | $2.37 | -3.2% | -3.8% | -3.9% |
| Q4 FY2026 | $2.60 | $2.42 | +7.6% | -2.9% | -2.5% |
| Q3 FY2026 | $2.61 | $2.40 | +8.8% | -6.5% | -4.2% |
| Q2 FY2026 | $2.20 | $2.27 | -3.3% | -7.3% | -4.4% |
| Q1 FY2025 | $2.47 | $2.46 | +0.6% | -5.6% | -5.5% |
| Q4 FY2025 | $2.46 | $2.46 | -0.1% | +0.6% | -1.1% |
| Q3 FY2025 | $2.71 | $2.52 | +7.7% | -1.3% | +0.9% |
| Q2 FY2025 | $2.75 | $2.51 | +9.6% | -5.6% | -6.8% |
| Q1 FY2024 | $2.51 | $2.28 | +10.1% | -3.3% | -3.9% |
| Q4 FY2024 | $2.54 | $2.39 | +6.3% | -3.7% | -1.3% |
Guidance change history
Sample- Q1 FY2026Maintained2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Maintained2026-07-15
- Q1 FY2025Maintained2025-04-15
- Q4 FY2025Maintained2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Scott Allen KingsleyCEO5 mono recorded callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last guidance raise Q2 FY2026
- Annette L BurnsCFO6 mo11 callsCurrentSample
CFO since 2025 • 2/4 beats (50%) • last call held guidance Q2 FY2026
- Joseph R StaglianoPresident6 mo4 callsCurrentSample
PRESIDENT since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
- Ruth H MahoneyPresident10 mono recorded callsCurrentSample
PRESIDENT since 2025 • 2/4 beats (50%) • last guidance cut Q2 FY2026
- Cynthia A SmaniottoSVP, Chief HR Officer6 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 3/4 beats (75%) • guidance suspended Q1 FY2026
- Amy WilesEVP, Chief Risk and Credit5 mono recorded callsCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • guidance suspended Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for NBTB.
$ curl https://api.spokenalpha.com/v1/companies/NBTBFAQ
Frequently asked about NBTB
Where can I find NBT BANCORP INC's (NBTB) earnings call transcripts?
Spoken Alpha indexes NBTB's earnings call transcripts at https://spokenalpha.com/companies/NBTB. Each call links to attributed speakers and parsed analyst Q&A.
When was NBT BANCORP INC's most recent earnings call?
NBT BANCORP INC (NBTB) held its most recent earnings call on 2026-04-24, covering fiscal Q1 2026.
What sector is NBTB in?
NBT BANCORP INC (NBTB) operates in the Financial Services sector (Banks - Regional industry).