National Bank (NBHC) 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 National Bank (NBHC) over the past year, gaining 22.8% versus a loss of 0.7%. Over five years, NBTB leads with a +37.8% price change compared with -7.8% for NBHC. NBT Bancorp is the larger company by market cap ($2.60 billion vs $1.68 billion), about 1.6 times the size.
On valuation, National Bank trades at a lower forward P/E (9.6x vs 11.0x for NBT Bancorp). National Bank offers the higher dividend yield (3.35% vs 2.95%). National Bank converts more of its revenue into profit, with a net margin of 232.6% 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 | NBHC | NBTB |
|---|---|---|
| Share price | $37.94 | $50.13 |
| Market cap | $1.68B | $2.60B |
| 1-day change | -0.63% | -0.79% |
| YTD return | +0.45% | +21.70% |
| 1-year return | -0.70% | +22.76% |
| 5-year return | -7.76% | +37.80% |
| P/E ratio (TTM) | 15.94 | 12.26 |
| Forward P/E | 9.61 | 10.98 |
| EPS (TTM) | $2.38 | $4.09 |
| Dividend yield | 3.35% | 2.95% |
| Annual dividend | $1.27 | $1.48 |
| Revenue (latest FY) | $47.10M | $182.95M |
| Revenue growth (YoY) | +2.86% | +10.40% |
| Net income (latest FY) | $109.57M | $169.24M |
| Net margin | 232.64% | 92.50% |
| 52-week high | $47.28 | $54.50 |
| 52-week low | $35.06 | $39.20 |
| Distance from 52-week high | -19.75% | -8.02% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +18.61% | +14.70% |
| Average volume | 441.49K | 348.49K |
| Shares outstanding | 44.29M | 51.96M |
| Employees | 1,250 | 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 NBHC by 23.5 percentage points over the past year.
- National Bank trades at a higher earnings multiple (15.9x vs 12.3x trailing P/E).
- National Bank is more profitable, keeping 232.6 cents of every revenue dollar as net income versus 92.5 cents for NBT Bancorp.
- NBT Bancorp grew revenue faster in its latest fiscal year (+10.40% vs +2.86%).
About National Bank
NBHC stock →National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits.
Finance · Major Banks · 1,250 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
NBHC vs NBTB FAQ
Which is bigger, National Bank or NBT Bancorp?
NBT Bancorp (NBTB) is larger, with a market capitalization of $2.60B compared with $1.68B for National Bank (NBHC).
Which stock has performed better over the past year, NBHC or NBTB?
NBTB returned +22.76% over the past 12 months, compared with -0.70% for NBHC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NBHC or NBTB?
NBTB has the lower trailing P/E at 12.3, versus 15.9 for NBHC. 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, National Bank or NBT Bancorp?
National Bank has the higher yield at 3.35%, compared with 2.95% for NBT Bancorp.
Are National Bank and NBT Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.