Filing Flows › NBT Bancorp (NBTB) › Q3 2026
NBT Bancorp (NBTB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
NBT Bancorp (NBTB) reported revenue of $195M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +4% from the quarter before. Operating margin was 39.0%, net earnings $58.0M (29.8% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $195M | +4% | +5% |
| Operating profit | $76.1M | +10% | +6% |
| Net earnings | $58.0M | +9% | +7% |
| Operating cash flow | $76.3M | +23% | -5% |
| Free cash flow | $74.4M | +23% | +0.1% |
What changed
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.
Questions
What was NBT Bancorp's revenue in the third quarter 2026?
NBT Bancorp (NBTB) reported revenue of $195M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +4% from the quarter before.
Was NBT Bancorp profitable in the third quarter 2026?
Operating profit was $76.1M (39.0% of revenue) and net earnings $58.0M.
Source: NBT Bancorp 10-Q on SEC EDGAR.