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NBTB reported Third Quarter 2026 results. The stock moved -1.7% on the print.
NBTBearnings

NBT Bancorp Inc. (NBTB) Q3 FY2026 earnings

October 28, 2026 · SharpeIQ Research Desk

Reported results

  • GAAP net income for the third quarter of 2026 was $58.0 million, or $1.11 per diluted common share.
  • Operating diluted earnings per share, a non-GAAP measure, was $1.11 for the third quarter of 2026.
  • GAAP net interest income for the third quarter of 2026 was $142.1 million.
  • Net interest income on a fully taxable equivalent (FTE) basis, a non-GAAP measure, was $142.7 million for the third quarter of 2026.
  • Net interest margin (NIM) on an FTE basis, a non-GAAP measure, was 3.78% for the third quarter of 2026.
  • GAAP total noninterest expense was $115.2 million for the third quarter of 2026.

Price and volatility reaction

The stock moved -1.7% on the print. No front-expiry chain was on file, so there is no straddle expected move. 30-day ATM implied volatility moved +0.9 vol points across the event (constant-maturity series — not the front-week crush).

MeasureValueBasis
Close before release52.892026-10-27
Close after release51.972026-10-28
Realised move-1.7%close to close
30d ATM IV change+0.9 vol ptsconstant-maturity series, not the front expiry
Price and volatility reaction. Closes either side of the release. No front-expiry chain on file for a straddle expected move. SharpeIQ — listed option chain and price_history

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-27 (8-K, Item 2.02). Read the original filing on sec.gov.

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