NBT Bancorp Q4 net income $36.0M ($0.76 EPS); raises dividend 6.3% to $0.34

NBT BANCORP INC

2024-FY EPS reported $2.97 revenue$165,710,000

Q4 net income $36.0M ($0.76 dil EPS) vs $30.4M ($0.64) a year ago; FY net income $140.6M ($2.97) vs $118.8M ($2.65).
Net interest income FTE $106.7M, NIM 3.34% up 7 bps QoQ; total cost of funds down 14 bps to 1.71%.
Cash dividend raised to $0.34/share (6.3% increase) payable March 17, 2025 to holders of record March 3.
Evans Bancorp merger received regulatory approval; expected to close Q2 2025 pending customary conditions.
Period-end loans $9.97B (+3.3% YoY); deposits $11.55B (+5.3% YoY); NPAs to assets 0.38%.

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