NBT Bancorp Posts Record Q3 EPS of $1.11, Raises Dividend 8.1% to $0.40
NBTB sits 34% above its 52-week low of $39.445.
Summary
NBT Bancorp earned a record $58.0 million, or $1.11 per diluted share, in Q3 2026 and raised its quarterly dividend 8.1% to $0.40. Nonperforming assets ticked up to 0.43% of total assets.
Key Events · Earnings and Guidance · NBTB
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Record Q3 Earnings of $1.11 per Share
Net income was $58.0 million, or $1.11 per diluted share, up from $53.0 million ($1.02) in Q2 2026 and $54.5 million ($1.03) in Q3 2025.
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Margin Expansion Lifts Net Interest Income
Net interest income rose 3.7% to $142.1 million from the prior quarter, and NIM on an FTE basis widened 5 bps to 3.78%, helped by a 6 bp rise in earning asset yields to 5.11%.
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Dividend Raised 8.1% to $0.40
The board declared a fourth-quarter dividend of $0.40 per share, payable December 15, 2026 to holders of record December 1, 2026 — the 14th consecutive year of annual increases.
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Nonperforming Assets Edge Higher
Nonperforming assets reached 0.43% of total assets versus 0.40% at June 30, 2026, driven by new commercial nonaccruals. The allowance covers nonperforming loans 200.05%, and net charge-offs were 0.14% annualized.
Analysis · NBTB · Finance
Record quarterly earnings, margin expansion and a 14th straight annual dividend increase support the thesis. The offsetting detail is credit: nonperforming assets rose to 0.43% of total assets from 0.40% last quarter as additional commercial relationships moved to nonaccrual. For now the deterioration looks contained — net charge-offs held at 0.14% annualized and the allowance covers nonperforming loans 200%. Capital remains strong at a CET1 ratio of 12.43%, and the company continues buying back stock under its existing program.
How filings like this one have moved
In the 30 days to Oct 29, 2026, 31% of the 1656 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.01%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, NBTB was trading at $52.89 on NASDAQ in the Finance sector, with a market capitalization of approximately $2.7B. The 52-week trading range was $39.45 to $54.50. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.