First Financial Bankshares (FFIN) 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 Bankshares (FFIN) over the past year, gaining 22.8% versus a loss of 5.9%. Over five years, NBTB leads with a +37.8% price change compared with -34.1% for FFIN. First Financial Bankshares is the larger company by market cap ($4.50 billion vs $2.63 billion), about 1.7 times the size.
On valuation, NBT Bancorp trades at a lower forward P/E (11.1x vs 14.6x for First Financial Bankshares). NBT Bancorp offers the higher dividend yield (2.93% vs 2.51%). NBT Bancorp converts more of its revenue into profit, with a net margin of 92.5% versus 40.1%.
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 | FFIN | NBTB |
|---|---|---|
| Share price | $31.43 | $50.53 |
| Market cap | $4.50B | $2.63B |
| 1-day change | +0.13% | +0.70% |
| YTD return | +5.22% | +21.70% |
| 1-year return | -5.87% | +22.76% |
| 5-year return | -34.11% | +37.80% |
| P/E ratio (TTM) | 16.81 | 12.35 |
| Forward P/E | 14.55 | 11.07 |
| EPS (TTM) | $1.87 | $4.09 |
| Dividend yield | 2.51% | 2.93% |
| Annual dividend | $0.79 | $1.48 |
| Revenue (latest FY) | $631.60M | $182.95M |
| Revenue growth (YoY) | +14.68% | +10.40% |
| Net income (latest FY) | $253.58M | $169.24M |
| Net margin | 40.15% | 92.50% |
| 52-week high | $36.52 | $54.50 |
| 52-week low | $28.12 | $39.20 |
| Distance from 52-week high | -13.94% | -7.28% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +15.46% | +13.79% |
| Average volume | 754.55K | 348.49K |
| Shares outstanding | 143.33M | 51.96M |
| Employees | 1,500 | 2,303 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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 FFIN by 28.6 percentage points over the past year.
- First Financial Bankshares trades at a higher earnings multiple (16.8x vs 12.4x trailing P/E).
- NBT Bancorp is more profitable, keeping 92.5 cents of every revenue dollar as net income versus 40.1 cents for First Financial Bankshares.
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Financial Services · Banks - Regional · 1,500 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.
Financial Services · Banks - Regional · 2,303 employees
FFIN vs NBTB FAQ
Which is bigger, First Financial Bankshares or NBT Bancorp?
First Financial Bankshares (FFIN) is larger, with a market capitalization of $4.50B compared with $2.63B for NBT Bancorp (NBTB).
Which stock has performed better over the past year, FFIN or NBTB?
NBTB returned +22.76% over the past 12 months, compared with -5.87% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or NBTB?
NBTB has the lower trailing P/E at 12.4, versus 16.8 for FFIN. 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 Bankshares or NBT Bancorp?
NBT Bancorp has the higher yield at 2.93%, compared with 2.51% for First Financial Bankshares.
Are First Financial Bankshares and NBT Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.