NBT Bancorp (NBTB) vs Bank OZK (OZK)
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 Bank OZK (OZK) over the past year, gaining 22.8% versus a loss of 13.8%. Over five years, NBTB leads with a +37.8% price change compared with +0.8% for OZK. Bank OZK is the larger company by market cap ($4.89 billion vs $2.63 billion), about 1.9 times the size.
On valuation, Bank OZK trades at a lower forward P/E (7.4x vs 11.1x for NBT Bancorp). Bank OZK offers the higher dividend yield (4.06% vs 2.93%).
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 | NBTB | OZK |
|---|---|---|
| Share price | $50.53 | $44.86 |
| Market cap | $2.63B | $4.89B |
| 1-day change | +0.70% | +2.98% |
| YTD return | +21.70% | -2.52% |
| 1-year return | +22.76% | -13.78% |
| 5-year return | +37.80% | +0.76% |
| P/E ratio (TTM) | 12.35 | 7.40 |
| Forward P/E | 11.07 | 7.41 |
| EPS (TTM) | $4.09 | $6.06 |
| Dividend yield | 2.93% | 4.06% |
| Annual dividend | $1.48 | $1.82 |
| Revenue (latest FY) | $182.95M | — |
| Revenue growth (YoY) | +10.40% | — |
| Net income (latest FY) | $169.24M | — |
| Net margin | 92.50% | — |
| 52-week high | $54.50 | $53.39 |
| 52-week low | $39.20 | $42.37 |
| Distance from 52-week high | -7.28% | -15.98% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +13.79% | +19.88% |
| Average volume | 348.49K | 1.21M |
| Shares outstanding | 51.96M | 109.04M |
| Employees | 2,303 | 3,286 |
| 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 OZK by 36.5 percentage points over the past year.
- NBT Bancorp trades at a higher earnings multiple (12.4x vs 7.4x trailing P/E).
- Bank OZK offers a meaningfully higher dividend yield (4.06% vs 2.93%).
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
About Bank OZK
OZK stock →Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits.
Finance · Major Banks · 3,286 employees
NBTB vs OZK FAQ
Which is bigger, NBT Bancorp or Bank OZK?
Bank OZK (OZK) is larger, with a market capitalization of $4.89B compared with $2.63B for NBT Bancorp (NBTB).
Which stock has performed better over the past year, NBTB or OZK?
NBTB returned +22.76% over the past 12 months, compared with -13.78% for OZK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NBTB or OZK?
OZK has the lower trailing P/E at 7.4, versus 12.4 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, NBT Bancorp or Bank OZK?
Bank OZK has the higher yield at 4.06%, compared with 2.93% for NBT Bancorp.
Are NBT Bancorp and Bank OZK in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.