NBT Bancorp (NBTB) Margin Strength And 20.3% Earnings Growth Reinforce Bullish Narratives

Simply Wall St.

Jan 28

NBT Bancorp (NBTB) just wrapped up FY 2025 with fourth quarter revenue of US$181.4 million and basic EPS of US$1.06, capping a trailing twelve month run to US$664.8 million in revenue and EPS of US$...

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Over the past few quarters, revenue has moved from US$146.3 million in Q4 2024 to US$181.4 million in Q4 2025, while quarterly EPS has ranged from US$0.45 in Q2 2025 to just over US$1.06 most recently. This gives investors a clear view of how the top and bottom lines have tracked through the...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"BK4112":"金融交易所和数据","BK4211":"区域性银行","NBTB":"NBT Bancorp Inc"},"translate_title":"NBT Bancorp(NBTB)利润率强劲和20.3%的盈利增长强化了看涨叙事","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NBTB":1.98},"content_text":"NBT Bancorp (NBTB) just wrapped up FY 2025 with fourth quarter revenue of US$181.4 million and basic EPS of US$1.06, capping a trailing twelve month run to US$664.8 million in revenue and EPS of US$3.34. Over the past few quarters, revenue has moved from US$146.3 million in Q4 2024 to US$181.4 million in Q4 2025, while quarterly EPS has ranged from US$0.45 in Q2 2025 to just over US$1.06 most recently. This gives investors a clear view of how the top and bottom lines have tracked through the year. With a trailing net profit margin of 25.5% and earnings growth of 20.3% over the last year, the latest numbers put profitability front and center as investors assess what comes next. See our full analysis for NBT Bancorp. With the headline figures on the table, the next step is to see how these results line up against the widely followed narratives around NBT Bancorp's growth, income profile, and risk reward trade off. Curious how numbers become stories that shape markets? Explore Community Narratives NasdaqGS:NBTB Earnings & Revenue History as at Jan 2026 Advertisement20.3% earnings growth backed by higher net margin  Over the last 12 months, NBT Bancorp earned US$169.2 million on US$664.8 million of revenue, which works out to a 25.5% net margin compared with 25.2% a year earlier and sits alongside 20.3% earnings growth. What stands out for the bullish view is that this 20.3% earnings growth and 25.5% margin come with earnings described as high quality, yet revenue growth of 9.7% per year trails the broader US market forecast of 10.6%. This means:\n     Supporters can point to margins and earnings quality as the core of the bullish case, using the 25.5% net margin and US$3.34 trailing EPS as evidence that profitability, not just top line growth, is carrying the story. Skeptics of the bullish angle can point out that revenue growth running below the wider market suggests the business is more about steady profitability than fast expansion, so the 20.3% earnings growth rate may not always match the broader market’s top line pace.    To see how this earnings profile lines up with a fuller valuation and growth story, have a look at the balanced narrative investors are building around NBT Bancorp. 📊 Read the full NBT Bancorp Consensus Narrative. P/E of 13.4x sits between peers and wider banks  The shares trade on a P/E of 13.4x, compared with a peer average of 14.8x and a broader US Banks industry average of 11.8x, while the current price of US$43.42 is well below a US$48.20 analyst target and a DCF fair value of about US$69.04 in the supplied data. Supporters of a bullish narrative highlight that this P/E gap and DCF fair value suggest upside, and the numbers here both help and limit that view:\n     The argument for value is anchored in the idea that a 13.4x P/E that is below peers and a DCF fair value of US$69.04 versus US$43.42 imply investors are not paying the same multiple as comparable names even after 20.3% earnings growth. The tension for bulls is that trading above the 11.8x industry average means the stock is not the cheapest name among US banks, so investors weighing the bullish view have to balance peer-relative value against the wider industry comparison.    Dividend yield of 3.41% alongside higher earnings  On top of the earnings profile, NBT Bancorp pays a dividend with a 3.41% yield, which is being measured against trailing earnings of US$169.2 million and a 25.5% net margin over the last year. Bulls argue that pairing this 3.41% income stream with 20.3% earnings growth and high reported earnings quality strengthens the reward side of the story, and the figures supplied give that view both support and context:\n     The case looks stronger when you put the yield next to US$3.34 trailing EPS and the net margin improvement from 25.2% to 25.5%, since it means the dividend is sitting on top of a business that is not only earning more but also keeping a similar share of each revenue dollar. At the same time, the combination of a 3.41% yield and a P/E of 13.4x shows the stock is not priced like a distressed income name, so investors backing the bullish income narrative are effectively accepting a middle ground between high yield and moderate valuation.     Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on NBT Bancorp's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. See What Else Is Out There NBT Bancorp combines a 20.3% earnings growth rate with a 13.4x P/E and 3.41% yield, yet its 9.7% revenue growth trails the broader US market forecast. If you want ideas with a clearer focus on consistent expansion rather than a slower top line, check out stable growth stocks screener (2178 results) and compare businesses built around steadier growth profiles.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if NBT Bancorp might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}