NASDAQ$NBTB
Nbt Bancorp Inc · Q3 2021 earnings
Q3 2021 earnings · · Investor relations
Briefing
Reported net income of $37.4 million and diluted earnings per share of $0.86.
NBT Bancorp Inc. reported a net income of $37.4 million, or $0.86 per diluted common share, for the third quarter ended September 30, 2021. Net income increased $2.3 million from the third quarter of 2020, primarily due to changes in the estimated impact of the COVID-19 pandemic on expected credit losses.
- Net income for the third quarter of 2021 was $37.4 million.
- Diluted earnings per share were $0.86.
- Net interest income on a fully taxable equivalent basis was $78.0 million.
- Period end total loans were $7.6 billion, up 1%, annualized, from December 31, 2020.
Headline financials
Revenue & EPS history
NBT · Revenue · Quarterly
$118M
Revenue by segment
NBT · $22.9M total across 5 segments · Q4 2022
- Retirement admin fees$10.7M—46.7%
- Card services income$4.96M—21.7%
- Deposit service fees$3.6M—15.7%
- Other income$2.22M—9.7%
- BOLI income$1.42M—6.2%
Forward guidance
The Board of Directors approved a fourth-quarter cash dividend of $0.28 per share, an increase of 3.7% from the amount paid in the fourth quarter of 2020. The dividend will be paid on December 15, 2021, to shareholders of record as of December 1, 2021.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2021
+0.0%
Avg return
Earnings day
-0.1%
Avg return
5 days after
+2.2%
Avg return
30 days after
48%
33 / 69 earnings
Positive
+9.7%
Q2 2024
Best reaction
-11.5%
Q4 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -4.5% | -3.5% | +1.4% | |
| Q4 2025 | -1.3% | +1.2% | +1.2% | |
| Q3 2025 | +1.3% | -0.7% | +3.4% | |
| Q2 2025 | -2.2% | -1.4% | +0.5% | |
| Q1 2025 | +0.6% | -0.0% | -1.9% | |
| Q4 2024 | -5.4% | -2.2% | -3.2% | |
| Q3 2024 | +3.9% | +2.2% | +14.9% | |
| Q2 2024 | +9.7% | +10.2% | +2.4% | |
| Q1 2024 | +4.1% | +3.9% | +10.0% | |
| Q4 2023 | -7.0% | -9.3% | -15.9% | |
| Q3 2023 | +4.3% | +5.5% | +14.7% | |
| Q2 2023 | -1.1% | -1.9% | -9.9% | |
| Q1 2023 | -1.9% | -2.8% | +4.4% | |
| Q4 2022 | -11.5% | -11.0% | -5.2% | |
| Q3 2022 | -0.4% | +7.7% | +8.4% | |
| Q2 2022 | -0.1% | +2.9% | +1.3% | |
| Q1 2022 | +0.1% | -0.8% | +3.6% | |
| Q4 2021 | -4.9% | -3.8% | -4.3% | |
| Q3 2021 | -3.9% | -2.3% | +1.4% | |
| Q2 2021 | +1.9% | +5.7% | +9.9% | |
| Q1 2021 | -2.2% | -3.8% | -0.9% | |
| Q4 2020 | -4.9% | -4.8% | +3.9% | |
| Q3 2020 | -2.8% | -6.1% | +8.9% | |
| Q2 2020 | -0.6% | -0.3% | +2.8% | |
| Q1 2020 | +5.0% | +1.9% | +7.1% | |
| Q4 2019 | -2.5% | -4.2% | -6.1% | |
| Q3 2019 | +6.7% | +6.8% | +7.1% | |
| Q2 2019 | +0.4% | +3.8% | -4.0% | |
| Q1 2019 | +2.7% | +2.8% | +1.6% | |
| Q4 2018 | -0.2% | -0.8% | +7.3% | |
| Q3 2018 | -0.3% | -3.4% | +2.3% | |
| Q2 2018 | +2.8% | +3.0% | +3.3% | |
| Q1 2018 | +3.6% | +2.3% | +6.2% | |
| Q4 2017 | +1.8% | -0.8% | -2.7% | |
| Q3 2017 | +0.7% | +0.9% | -1.4% | |
| Q2 2017 | +1.3% | -1.7% | -9.4% | |
| Q1 2017 | +4.0% | +1.4% | -3.2% | |
| Q4 2016 | +2.2% | -0.3% | +1.1% | |
| Q3 2016 | +0.8% | +0.4% | +18.8% | |
| Q2 2016 | -0.6% | -0.4% | +6.3% | |
| Q1 2016 | +1.6% | — | — | |
| Q4 2015 | -1.4% | — | — | |
| Q3 2015 | +0.0% | — | — | |
| Q2 2015 | +3.6% | — | — | |
| Q1 2015 | +1.5% | — | — | |
| Q4 2014 | -1.9% | — | — | |
| Q3 2014 | +5.0% | — | — | |
| Q2 2014 | +2.0% | — | — | |
| Q1 2014 | -0.9% | — | — | |
| Q4 2013 | -2.4% | — | — | |
| Q3 2013 | +2.6% | — | — | |
| Q2 2013 | +1.3% | — | — | |
| Q1 2013 | -3.2% | — | — | |
| Q4 2012 | +0.7% | — | — | |
| Q3 2012 | -0.8% | — | — | |
| Q2 2012 | -1.4% | — | — | |
| Q1 2012 | +1.8% | — | — | |
| Q4 2011 | -1.1% | — | — | |
| Q3 2011 | -4.9% | — | — | |
| Q2 2011 | -1.4% | — | — | |
| Q1 2010 | +0.5% | — | — | |
| Q1 2011 | +1.2% | — | — | |
| Q4 2010 | -1.2% | — | — | |
| Q4 2009 | -1.2% | — | — | |
| Q4 2008 | -1.2% | — | — | |
| Q3 2009 | +0.0% | — | — | |
| Q3 2010 | +0.0% | — | — | |
| Q2 2010 | +0.9% | — | — | |
| Q2 2009 | +0.9% | — | — |
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