Customers Bancorp (CUBI) vs NBT Bancorp (NBTB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
NBT Bancorp (NBTB) has outperformed Customers Bancorp (CUBI) over the past year, gaining 22.8% versus a gain of 15.6%. Over five years, CUBI leads with a +63.8% price change compared with +36.8% for NBTB. NBT Bancorp is the larger company by market cap ($2.63 billion vs $2.52 billion), about 1.0 times the size, while Customers Bancorp is growing revenue faster (+16.7% vs +10.4%).
On valuation, Customers Bancorp trades at a lower forward P/E (7.8x vs 11.1x for NBT Bancorp). NBT Bancorp pays a dividend yielding 2.93%, while Customers Bancorp does not currently pay one. Customers Bancorp converts more of its revenue into profit, with a net margin of 472.3% versus 92.5%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CUBI | NBTB |
|---|---|---|
| Share price | $74.60 | $50.53 |
| Market cap | $2.52B | $2.63B |
| 1-day change | +0.61% | +0.70% |
| YTD return | +2.02% | +21.70% |
| 1-year return | +15.61% | +22.76% |
| 5-year return | +63.81% | +36.84% |
| P/E ratio (TTM) | 9.05 | 12.35 |
| Forward P/E | 7.80 | 11.07 |
| EPS (TTM) | $8.24 | $4.09 |
| Dividend yield | 0.00% | 2.93% |
| Annual dividend | $0.00 | $1.48 |
| Revenue (latest FY) | $47.45M | $182.95M |
| Revenue growth (YoY) | +16.68% | +10.40% |
| Net income (latest FY) | $224.09M | $169.24M |
| Net margin | 472.30% | 92.50% |
| 52-week high | $84.38 | $54.50 |
| 52-week low | $59.34 | $39.20 |
| Distance from 52-week high | -11.59% | -7.28% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +25.27% | +12.47% |
| Average volume | 276.24K | 347.72K |
| Shares outstanding | 33.78M | 51.96M |
| Employees | 885 | 2,303 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- NBT Bancorp trades at a higher earnings multiple (12.4x vs 9.1x trailing P/E).
- NBT Bancorp offers a meaningfully higher dividend yield (2.93% vs 0.00%).
- Customers Bancorp is more profitable, keeping 472.3 cents of every revenue dollar as net income versus 92.5 cents for NBT Bancorp.
- Customers Bancorp grew revenue faster in its latest fiscal year (+16.68% vs +10.40%).
About Customers Bancorp
CUBI stock →Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services for commercial and consumer clients.
Finance · Major Banks · 885 employees
About NBT Bancorp
NBTB stock →NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments.
Finance · Major Banks · 2,303 employees
CUBI vs NBTB FAQ
Which is bigger, Customers Bancorp or NBT Bancorp?
NBT Bancorp (NBTB) is larger, with a market capitalization of $2.63B compared with $2.52B for Customers Bancorp (CUBI).
Which stock has performed better over the past year, CUBI or NBTB?
NBTB returned +22.76% over the past 12 months, compared with +15.61% for CUBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CUBI or NBTB?
CUBI has the lower trailing P/E at 9.1, versus 12.4 for NBTB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Customers Bancorp or NBT Bancorp?
NBT Bancorp pays a dividend yielding 2.93%, while Customers Bancorp does not currently pay a regular dividend.
Are Customers Bancorp and NBT Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.