NBT Bancorp (NBTB) vs TowneBank (TOWN)
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 TowneBank (TOWN) over the past year, gaining 21.6% versus a gain of 2.8%. Over five years, NBTB leads with a +36.8% price change compared with +9.7% for TOWN. TowneBank is the larger company by market cap ($3.21 billion vs $2.60 billion), about 1.2 times the size.
On valuation, TowneBank trades at a lower forward P/E (9.8x vs 11.0x for NBT Bancorp). TowneBank offers the higher dividend yield (3.14% vs 2.96%).
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 | TOWN |
|---|---|---|
| Share price | $50.06 | $34.72 |
| Market cap | $2.60B | $3.21B |
| 1-day change | -0.24% | -0.76% |
| YTD return | +20.86% | +4.82% |
| 1-year return | +21.56% | +2.76% |
| 5-year return | +36.84% | +9.66% |
| P/E ratio (TTM) | 12.24 | 17.44 |
| Forward P/E | 10.96 | 9.77 |
| EPS (TTM) | $4.09 | $1.99 |
| Dividend yield | 2.96% | 3.14% |
| Annual dividend | $1.48 | $1.09 |
| 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 | $39.03 |
| 52-week low | $39.20 | $31.91 |
| Distance from 52-week high | -8.15% | -11.06% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +13.52% | +15.22% |
| Average volume | 347.72K | 589.51K |
| Shares outstanding | 51.96M | 92.44M |
| Employees | 2,303 | 2,932 |
| 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 TOWN by 18.8 percentage points over the past year.
- TowneBank trades at a higher earnings multiple (17.4x vs 12.2x trailing P/E).
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 TowneBank
TOWN stock →TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance.
Finance · Major Banks · 2,932 employees
NBTB vs TOWN FAQ
Which is bigger, NBT Bancorp or TowneBank?
TowneBank (TOWN) is larger, with a market capitalization of $3.21B compared with $2.60B for NBT Bancorp (NBTB).
Which stock has performed better over the past year, NBTB or TOWN?
NBTB returned +21.56% over the past 12 months, compared with +2.76% for TOWN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NBTB or TOWN?
NBTB has the lower trailing P/E at 12.2, versus 17.4 for TOWN. 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 TowneBank?
TowneBank has the higher yield at 3.14%, compared with 2.96% for NBT Bancorp.
Are NBT Bancorp and TowneBank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.