NBT BANCORP INC — Form 8-K
Filed July 27, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
NBT Bancorp reported Q2 2026 net income of $53.0M ($1.02/share diluted) vs. $22.5M ($0.44/share) in Q2 2025—a 135% increase driven primarily by the May 2, 2025 acquisition of Evans Bancorp (5.1M shares issued, $221.8M value; added $1.67B loans, $1.86B deposits, 200 employees, 18 branches). The company also increased its quarterly cash dividend by 8.1% to $0.40/share (14th consecutive annual increase) and redeemed $25M of 3.50% subordinated debt on June 30, 2026. Net interest margin expanded 14 bps YoY to 3.73%; period-end assets reached $16.21B.
Why this rating
Evans acquisition integration on track; earnings recovery is substantial but comparison inflated by acquisition timing. Relative to $2.1B market cap, integration success is meaningful but one-time. Dividend hike and debt redemption show confidence.
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