Filing Flows › NBT Bancorp (NBTB) › Q3 2026 › vs Q3 2025
NBT Bancorp (NBTB) Q3 2026 vs Q3 2025 (year over year)
NBT Bancorp's revenue rose $9.0M (+5%) from $186M in Q3 2025 to $195M in Q3 2026. The biggest changes: Net interest income +$7.4M (+6%); Noninterest income +$1.5M (+3%). Operating margin 39.0% against 38.6% (+0.4 pts).
NBT Bancorp, Q3 2026: revenue $195M (+5% year over year), operating margin 39.0%, net earnings $58.0M, operating cash flow $76.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.0% | 38.6% | +0.4 pts |
| Net margin | 29.8% | 29.3% | +0.5 pts |
| Free cash flow margin | 38.2% | 40.0% | -1.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $142M | $135M | $7.4M | +6% |
| Noninterest income | $52.9M | $51.4M | $1.5M | +3% |
| Revenue | $195M | $186M | $9.0M | +5% |
| Operating profit | $76.1M | $71.8M | $4.2M | +6% |
| Costs & expenses | $119M | $114M | $4.7M | +4% |
| Pre-tax earnings | $76.1M | $71.8M | $4.2M | +6% |
| Credit loss provision | $3.8M | $3.1M | $692K | +22% |
| Noninterest expense | $115M | $111M | $4.0M | +4% |
| Net earnings | $58.0M | $54.5M | $3.6M | +7% |
| Income tax | $18.0M | $17.4M | $691K | +4% |
| Share-based compensation | $562K | $1.6M | −$1.0M | -65% |
| Working capital & other | $17.7M | $24.5M | −$6.8M | -28% |
| Operating cash flow | $76.3M | $80.6M | −$4.3M | -5% |
| Free cash flow (OCF − capex) | $74.4M | $74.3M | $63K | +0.1% |
| Capital expenditures | $1.9M | $6.2M | −$4.3M | -69% |
Questions
How much did NBT Bancorp's revenue grow year over year in Q3 2026?
NBT Bancorp's revenue rose $9.0M (+5%) from $186M in Q3 2025 to $195M in Q3 2026.
What drove NBT Bancorp's revenue change in Q3 2026?
Net interest income +$7.4M (+6%); Noninterest income +$1.5M (+3%).