First Financial Bancorp. (FFBC) 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 First Financial Bancorp. (FFBC) over the past year, gaining 22.8% versus a gain of 21.1%. Over five years, NBTB leads with a +37.8% price change compared with +32.4% for FFBC. First Financial Bancorp. is the larger company by market cap ($3.25 billion vs $2.61 billion), about 1.2 times the size.
On valuation, First Financial Bancorp. trades at a lower forward P/E (8.7x vs 11.0x for NBT Bancorp). First Financial Bancorp. offers the higher dividend yield (3.23% vs 2.95%). First Financial Bancorp. converts more of its revenue into profit, with a net margin of 319.4% 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 | FFBC | NBTB |
|---|---|---|
| Share price | $30.95 | $50.22 |
| Market cap | $3.25B | $2.61B |
| 1-day change | -0.80% | -0.61% |
| YTD return | +24.70% | +21.70% |
| 1-year return | +21.07% | +22.76% |
| 5-year return | +32.37% | +37.80% |
| P/E ratio (TTM) | 10.94 | 12.28 |
| Forward P/E | 8.75 | 11.00 |
| EPS (TTM) | $2.83 | $4.09 |
| Dividend yield | 3.23% | 2.95% |
| Annual dividend | $1.00 | $1.48 |
| Revenue (latest FY) | $80.02M | $182.95M |
| Revenue growth (YoY) | +18.30% | +10.40% |
| Net income (latest FY) | $255.60M | $169.24M |
| Net margin | 319.43% | 92.50% |
| 52-week high | $36.25 | $54.50 |
| 52-week low | $23.06 | $39.20 |
| Distance from 52-week high | -14.62% | -7.85% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +22.78% | +14.50% |
| Average volume | 916.72K | 348.49K |
| Shares outstanding | 105.17M | 51.96M |
| Employees | 2,371 | 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
- First Financial Bancorp. is more profitable, keeping 319.4 cents of every revenue dollar as net income versus 92.5 cents for NBT Bancorp.
- First Financial Bancorp. grew revenue faster in its latest fiscal year (+18.30% vs +10.40%).
About First Financial Bancorp.
FFBC stock →First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois.
Finance · Major Banks · 2,371 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
FFBC vs NBTB FAQ
Which is bigger, First Financial Bancorp. or NBT Bancorp?
First Financial Bancorp. (FFBC) is larger, with a market capitalization of $3.25B compared with $2.61B for NBT Bancorp (NBTB).
Which stock has performed better over the past year, FFBC or NBTB?
NBTB returned +22.76% over the past 12 months, compared with +21.07% for FFBC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFBC or NBTB?
FFBC has the lower trailing P/E at 10.9, versus 12.3 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, First Financial Bancorp. or NBT Bancorp?
First Financial Bancorp. has the higher yield at 3.23%, compared with 2.95% for NBT Bancorp.
Are First Financial Bancorp. and NBT Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.