FB Financial (FBK) 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 FB Financial (FBK) over the past year, gaining 21.6% versus a loss of 11.2%. Over five years, NBTB leads with a +36.8% price change compared with +15.9% for FBK. FB Financial is the larger company by market cap ($2.61 billion vs $2.60 billion), about 1.0 times the size.
On valuation, FB Financial trades at a lower forward P/E (10.1x vs 11.0x for NBT Bancorp). NBT Bancorp offers the higher dividend yield (2.96% vs 1.53%). NBT Bancorp converts more of its revenue into profit, with a net margin of 92.5% versus 21.9%.
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 | FBK | NBTB |
|---|---|---|
| Share price | $52.16 | $50.06 |
| Market cap | $2.61B | $2.60B |
| 1-day change | -0.19% | -0.24% |
| YTD return | -6.34% | +20.86% |
| 1-year return | -11.21% | +21.56% |
| 5-year return | +15.90% | +36.84% |
| P/E ratio (TTM) | 13.80 | 12.24 |
| Forward P/E | 10.08 | 10.96 |
| EPS (TTM) | $3.78 | $4.09 |
| Dividend yield | 1.53% | 2.96% |
| Annual dividend | $0.80 | $1.48 |
| Revenue (latest FY) | $560.01M | $182.95M |
| Revenue growth (YoY) | +22.92% | +10.40% |
| Net income (latest FY) | $122.62M | $169.24M |
| Net margin | 21.90% | 92.50% |
| 52-week high | $62.66 | $54.50 |
| 52-week low | $49.24 | $39.20 |
| Distance from 52-week high | -16.75% | -8.15% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +27.19% | +13.52% |
| Average volume | 454.61K | 347.72K |
| Shares outstanding | 49.98M | 51.96M |
| Employees | 1,594 | 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 FBK by 32.8 percentage points over the past year.
- NBT Bancorp offers a meaningfully higher dividend yield (2.96% vs 1.53%).
- NBT Bancorp is more profitable, keeping 92.5 cents of every revenue dollar as net income versus 21.9 cents for FB Financial.
- FB Financial grew revenue faster in its latest fiscal year (+22.92% vs +10.40%).
About FB Financial
FBK stock →FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services. The company operates in two segments, Banking and Mortgage.
Finance · Major Banks · 1,594 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
FBK vs NBTB FAQ
Which is bigger, FB Financial or NBT Bancorp?
FB Financial (FBK) is larger, with a market capitalization of $2.61B compared with $2.60B for NBT Bancorp (NBTB).
Which stock has performed better over the past year, FBK or NBTB?
NBTB returned +21.56% over the past 12 months, compared with -11.21% for FBK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FBK or NBTB?
NBTB has the lower trailing P/E at 12.2, versus 13.8 for FBK. 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, FB Financial or NBT Bancorp?
NBT Bancorp has the higher yield at 2.96%, compared with 1.53% for FB Financial.
Are FB Financial and NBT Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.