NBT Bancorp Q4 Profit Rises 54% as Revenue Climbs

NBT Bancorp Inc. (NASDAQ: NBTB) shares closed at $43.52 on Tuesday, representing an intraday decline of 0.89%. The movement followed the publication of the company’s financial results for the fourth quarter and fiscal year ended December 31, 2025.

The market capitalization of NBT Bancorp Inc. stands at approximately $2.28 billion as of the market close.

Latest Quarterly Results

NBT Bancorp reported consolidated revenue of $185.1 million for the fourth quarter of 2025, an increase of 24.3% compared to the $148.9 million recorded in the same period of the previous year. Net profit for the quarter was $55.5 million, up 54.2% from $36.0 million in the fourth quarter of 2024.

Performance across the company’s primary operating segments included:

• Net Interest Income: $135.4 million, a 27.6% increase year-over-year.
• Wealth Management: $12.0 million in fees, an increase of 10.9% compared to the prior year.
• Retirement Plan Administration: Revenue grew 9.1% during the period.
• Insurance and Other Services: Noninterest income totaled $49.6 million, up 17.4% year-over-year.

Full-Year Results Context

For the full year 2025, NBT Bancorp recorded a 21.4% increase in annual revenue compared to 2024. Annual net income reached $169.2 million. The company reported that revenue growth outpaced the 13.1% increase in operating expenses for the fiscal year, indicating a trend of positive operating leverage.

Performance Summary

NBT Bancorp shares recorded a 0.89% decline during the latest trading session. The company reported a 54.2% increase in quarterly net profit and a 24.3% rise in revenue. Growth was sustained by the Evans Bancorp integration and increased fee income from wealth and retirement segments.