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NBT Bancorp (NBTB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · NBT Bancorp (NBTB) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $195M · 30¢ of every $1 of revenue kept as net profit · operating margin 39.0%
NBT Bancorp made $195M in Q3 2026 (+5% Y/Y): Net interest income $142M, Noninterest income $52.9M. Operating margin 39.0%, net earnings $58.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $195.0M in Q3 2026, up 5% year over year and up 4% from the previous quarter. Net interest income was the largest line at 73% of revenue. Net interest income added $7.4M year over year (up 6%), 83% of the total change.
Operating profit was $76.1M, a 39.0% margin (up 0.4 points year over year). Of the extra revenue versus a year earlier, 47% reached operating profit, above the 39% margin then. Total costs grew 4% against revenue growth of 5%. The fastest-growing cost line was Credit loss provision (+22%). Net earnings were $58.0M, up 7% year over year. The effective tax rate was 23.7%.
Operating cash flow was $76.3M (down 5% year over year), 132% of net earnings. Non-cash charges added back $562K of share-based compensation. Working capital and other items added $17.7M. Capital expenditures of $1.9M left free cash flow of $74.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $195M | +5% | 39.0% | $58.0M | $76.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About NBT Bancorp
NBT Bancorp Inc. is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of NBT Bancorp Inc. consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I, Alliance Financial Capital Trust II and Evans Capital Trust I (collectively, the “Trusts”). The principal sources of revenue for NBT Bancorp Inc. are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings. Collectively, NBT Bancorp Inc. and its subsidiaries are referred to herein as (the “Company”).
In its own words, from its 10-Q, filed Nov 6, 2026.
NBT Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +6%. Operating margin: 39.0% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| NBTB NBT Bancorp | Q3 2026 | $195M | +5% | 39.0% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: NBT Bancorp 10-Q on SEC EDGAR · CIK 790359 · National Commercial Banks
Guidance and outlook
13F: who owns NBTB and who is buying
More on NBTB
History
Every quarter: Q3 2026 results