Financials·Regional Banks·$2.2B
NBT Bancorp Inc is a regional bank that provides a range of financial services, including commercial and retail banking, investment management, and insurance. As a player in the financial sector, its performance can be influenced by interest rates, economic conditions, and consumer spending trends.
Earnings Per Share (EPS)
EPS is a key indicator of a company's profitability and is closely watched by investors.
Loan Growth
Loan growth reflects the bank's ability to generate income and expand its customer base.
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EPS Beat Streak
0Q
EPS Beat Rate
63%
Avg EPS Surprise
+5.66%
Avg Stock Reaction
+1.17%
In Q1-2026, NBT Bancorp reported an EPS of $0.97, slightly missing the estimate of $0.98. The stock saw a modest increase of 1.27% the following day.
Management Promises & Guidance
Investors are cautious ahead of the earnings report, with expectations for stable performance amid economic uncertainties. The options market indicates a significant potential move post-earnings.
Bull Case
If NBT Bancorp exceeds EPS expectations and shows strong loan growth, it could signal robust financial health and investor confidence, leading to a positive stock reaction.
Bear Case
A miss on EPS or disappointing loan growth could raise concerns about the bank's profitability and market position, potentially resulting in a negative stock reaction.
Earnings Per Share (EPS)
N/AEPS is a key indicator of a company's profitability and is closely watched by investors.
Loan Growth
N/ALoan growth reflects the bank's ability to generate income and expand its customer base.
Net Interest Margin
N/AThis metric indicates how well the bank is managing its interest income versus interest expenses.
The print will turn on these two things.
Q1
What is the EPS for Q2-2026?
EPS is a critical measure of profitability, and a significant deviation from expectations could impact investor sentiment.
Q2
How has loan growth performed in the last quarter?
Loan growth is essential for revenue generation, and any slowdown could raise concerns about the bank's future performance.
Why consensus could be wrong
The market may be underestimating NBT Bancorp's ability to manage its loan portfolio effectively, which could lead to better-than-expected results.
Supporting Evidence
Historical performance shows a 63% EPS beat rate, indicating potential for positive surprises.
Options pricing suggests a larger move than historical averages, indicating heightened expectations.
The bank's recent focus on digital banking could drive customer acquisition and loan growth.
Key Risk
If loan growth exceeds expectations, it could significantly alter the market's perception of the bank's future prospects.
Pre-commit to what would confirm each case.
The market is closely watching NBT Bancorp's ability to maintain profitability in a challenging economic environment, making EPS a key focus.
Bull Confirmed If
An EPS of $1.05 or higher would confirm strong profitability and positive market sentiment.
Bear Confirmed If
An EPS below $0.90 would indicate potential issues with profitability and could lead to a negative market reaction.
Implied Move
±14.51%
Historical Avg
±1.3%
The options market is pricing in a significant potential move, suggesting that investors are anticipating volatility around the earnings announcement.
Options are pricing ±14.5% while NBTB has averaged ±1.3% over the last 8 prints — setup is pricing rich.
Likely market behavior by outcome — not investment advice.
Beat & Raise
If NBT Bancorp beats expectations, history suggests the stock could rise by around 1.04%, confirming strong operational performance.
In-Line / Cautious
If results are in line with expectations but management provides cautious commentary, the stock may see a muted reaction as investors reassess future growth.
Miss
A miss on EPS could lead to a decline of approximately 1.38%, reflecting investor disappointment and concerns about the bank's financial health.
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
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AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
No charge today · Auto-bills $8/mo after 7 days · Cancel anytime
BANK HAWAII CORP
Jul 27, 2026