Enterprise Financial Services (EFSC) vs NBT Bancorp (NBTB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
NBT Bancorp (NBTB) has outperformed Enterprise Financial Services (EFSC) over the past year, gaining 22.8% versus a gain of 4.0%. Over five years, NBTB leads with a +37.8% price change compared with +23.8% for EFSC. NBT Bancorp is the larger company by market cap ($2.60 billion vs $2.12 billion), about 1.2 times the size, while Enterprise Financial Services is growing revenue faster (+16.0% vs +10.4%).
On valuation, Enterprise Financial Services trades at a lower forward P/E (9.9x vs 11.0x for NBT Bancorp). NBT Bancorp offers the higher dividend yield (2.96% vs 2.22%). NBT Bancorp converts more of its revenue into profit, with a net margin of 92.5% versus 27.2%.
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 | EFSC | NBTB |
|---|---|---|
| Share price | $58.59 | $50.06 |
| Market cap | $2.12B | $2.60B |
| 1-day change | -1.25% | -0.93% |
| YTD return | +9.87% | +21.70% |
| 1-year return | +4.00% | +22.76% |
| 5-year return | +23.76% | +37.80% |
| P/E ratio (TTM) | 11.65 | 12.24 |
| Forward P/E | 9.91 | 10.96 |
| EPS (TTM) | $5.03 | $4.09 |
| Dividend yield | 2.22% | 2.96% |
| Annual dividend | $1.30 | $1.48 |
| Revenue (latest FY) | $739.86M | $182.95M |
| Revenue growth (YoY) | +16.00% | +10.40% |
| Net income (latest FY) | $201.37M | $169.24M |
| Net margin | 27.22% | 92.50% |
| 52-week high | $68.73 | $54.50 |
| 52-week low | $51.18 | $39.20 |
| Distance from 52-week high | -14.75% | -8.15% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +21.18% | +14.86% |
| Average volume | 245.03K | 348.49K |
| Shares outstanding | 36.19M | 51.96M |
| Employees | 1,370 | 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
- NBTB has outperformed EFSC by 18.8 percentage points over the past year.
- NBT Bancorp is more profitable, keeping 92.5 cents of every revenue dollar as net income versus 27.2 cents for Enterprise Financial Services.
- Enterprise Financial Services grew revenue faster in its latest fiscal year (+16.00% vs +10.40%).
About Enterprise Financial Services
EFSC stock →Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, New Mexico, and in the United States. It provides interest and non-interest-bearing demand, money markets accounts, savings, and certificates of deposit.
Finance · Major Banks · 1,370 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
EFSC vs NBTB FAQ
Which is bigger, Enterprise Financial Services or NBT Bancorp?
NBT Bancorp (NBTB) is larger, with a market capitalization of $2.60B compared with $2.12B for Enterprise Financial Services (EFSC).
Which stock has performed better over the past year, EFSC or NBTB?
NBTB returned +22.76% over the past 12 months, compared with +4.00% for EFSC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, EFSC or NBTB?
EFSC has the lower trailing P/E at 11.6, versus 12.2 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, Enterprise Financial Services or NBT Bancorp?
NBT Bancorp has the higher yield at 2.96%, compared with 2.22% for Enterprise Financial Services.
Are Enterprise Financial Services and NBT Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.