NBT Bancorp Q3 net income $38.1M, EPS $0.80; NIM up 9 bps; dividend raised

NBT BANCORP INC

2024-Q3 EPS reported $2.21

Net income $38.1M ($0.80 diluted EPS) vs $24.6M ($0.54) in Q3 2023; operating EPS $0.80.
Net interest income (FTE) $102.3M, up $4.5M QoQ; NIM 3.27%, +9 bps from Q2 2024.
Record noninterest income $45.3M (excl. securities gains), up 4.6% QoQ and 12.1% YoY.
Board declared Q4 cash dividend $0.34/share (+6.3% vs Q4 2023), payable Dec 16 to record Dec 2.
Evans Bancorp merger (all-stock) on track to close in Q2 2025; Evans had $2.26B assets at June 30.

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