N NBTB

NBT Bancorp. Inc

$43.15

+0.35% (+$0.15)

Volume 123,416

52W High $46.92

52W Low $37.31

Market Cap $2.24B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.98

Whisper EPS

$1.03

5.5% above consensus

Last Quarter

$1.05

Current Streak

6 Beats

Avg Surprise (4Q)

+7.11%

Next Earnings Report

Reports in 16 days

Report Date Apr 23, 2026

Time AMC

Whisper Spread +5.46%

Consensus Estimate

$0.98

Official analyst average

Whisper Number

$1.03

What traders expect

Bullish Sentiment: The whisper number is 5.5% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 26, 2026

1-Day: -1.12%

Q3 2025 Oct 27, 2025

1-Day: +1.37%

Q2 2025 Jul 28, 2025

1-Day: +3.76%

Q1 2025 Apr 24, 2025

1-Day: +0.57%

5-Day: +1.04%

Revenue & Financial Performance

Revenue Whisper

$233.0M

TWN Proprietary Estimate

Last Quarter Revenue

$238.2M

+19.4% YoY

Gross Margin

76.1%

Net Margin: 23.3%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$238.2M	+19.4%	76.1%	29.3%	$55.5M
Q3'25	$238.8M	+18.5%	76.6%	30.1%	$54.5M
Q2'25	$224.0M	+15.9%	68.2%	13.7%	$22.5M
Q1'25	$201.2M	+4.9%	72.8%	23.5%	$36.7M
Q4'24	$199.5M	+5.6%	73.0%	22.8%	$36.0M
Q3'24	$201.4M	+14.0%	71.5%	24.2%	$38.1M
Q2'24	$193.3M	+27.2%	67.7%	21.7%	$32.7M
Q1'24	$191.8M	+32.5%	70.1%	22.5%	$33.8M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 26, 2026	$0.99	$1.05	$1.05	+6.06%	Met
Q3 2025	Oct 27, 2025	$0.97	$1.02	$1.05	+8.25%	Beat
Q2 2025	Jul 28, 2025	$0.83	$0.36	$0.88	+6.02%	Beat
Q1 2025	Apr 24, 2025	$0.74	$0.75	$0.80	+8.11%	Beat
Q4 2024	Jan 27, 2025	$0.76	$0.75	$0.77	+1.32%	Beat
Q3 2024	Oct 28, 2024	$0.77	$0.76	$0.80	+3.90%	Beat
Q2 2024	Jul 22, 2024	$0.69	$0.71	$0.69	+0.00%	Missed
Q1 2024	Apr 22, 2024	$0.68	$0.71	$0.68	+0.00%	Missed
Q4 2023	Jan 23, 2024	$0.76	$0.79	$0.72	-5.26%	Missed
Q3 2023	Oct 24, 2023	$0.77	$0.79	$0.84	+9.09%	Beat
Q2 2023	Jul 31, 2023	$0.74	$0.76	$0.80	+8.11%	Beat
Q1 2023	Apr 24, 2023	$0.85	$0.89	$0.88	+3.53%	Met