NBTB
NBT Bancorp Inc.
Banks - Regional
Market Cap$2.35B
5Y Perf.+43.9%
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Stock Comparison
NBTB vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$616.45B
5Y Perf.+64.6%
NBTB vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NBTB | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $2.35B | $616.45B |
| Revenue (TTM) | $867M | $40.00B |
| Net Income (TTM) | $169M | $22.24B |
| Gross Margin | 72.1% | 80.4% |
| Operating Margin | 25.3% | 60.0% |
| Forward P/E | 10.8x | 24.6x |
| Total Debt | $327M | $25.17B |
| Cash & Equiv. | $185M | $20.15B |
NBTB vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NBTB
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| NBT Bancorp Inc. (NBTB) | 100 | 143.9 | +43.9% |
| Visa Inc. (V) | 100 | 164.6 | +64.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NBTB vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. NBT Bancorp Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
NBTB
NBT Bancorp Inc.
The Banking Pick
NBTB is the clearest fit if your priority is sleep-well-at-night and valuation efficiency.
- Lower volatility, beta 0.89, Low D/E 17.3%, current ratio 1.60x
- PEG 1.53 vs V's 1.55
- Beta 0.89, yield 3.2%, current ratio 1.60x
Best for: sleep-well-at-night and valuation efficiency
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 329.1% 10Y total return vs NBTB's 102.2%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs NBTB's 10.4% |
| Value | NBTB | Lower P/E (10.8x vs 24.6x), PEG 1.53 vs 1.55 |
| Quality / Margins | V | Efficiency ratio 0.2% vs NBTB's 0.5% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs NBTB's 0.89 |
| Dividends | NBTB | 3.2% yield, 12-year raise streak, vs V's 0.7% |
| Momentum (1Y) | NBTB | +9.0% vs V's -7.4% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs NBTB's 0.5% |
NBTB vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
NBTB vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNBTBLAGGINGV
VVisa Inc.
2leads
NBTBNBT Bancorp Inc.
2leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V4/5
Valuation MetricsMultiples, price ratios, and targets
NBTB7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NBTB4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 46.1x NBTB's $867M. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to NBTB's 19.5%.
| Metric | NBTBNBT Bancorp Inc. | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $867M | $40.0B |
| EBITDAEarnings before interest/tax | $241M | $27.6B |
| Net IncomeAfter-tax profit | $169M | $22.2B |
| Free Cash FlowCash after capex | $225M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +72.1% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +25.3% | +60.0% |
| Net MarginNet income ÷ Revenue | +19.5% | +50.1% |
| FCF MarginFCF ÷ Revenue | +25.2% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +39.5% | +35.3% |
V leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NBTB leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 13.5x trailing earnings, NBTB trades at a 57% valuation discount to V's 31.5x P/E. Adjusting for growth (PEG ratio), NBTB offers better value at 1.92x vs V's 1.99x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | NBTBNBT Bancorp Inc. | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $2.4B | $616.4B |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $621.5B |
| Trailing P/EPrice ÷ TTM EPS | 13.53x | 31.50x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.80x | 24.59x |
| PEG RatioP/E ÷ EPS growth rate | 1.92x | 1.99x |
| EV / EBITDAEnterprise value multiple | 10.35x | 24.65x |
| Price / SalesMarket cap ÷ Revenue | 2.71x | 15.41x |
| Price / BookPrice ÷ Book value/share | 1.21x | 16.66x |
| Price / FCFMarket cap ÷ FCF | 10.75x | 28.57x |
NBTB leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $10 for NBTB. NBTB carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), NBTB scores 7/9 vs V's 5/9, reflecting strong financial health.
| Metric | NBTBNBT Bancorp Inc. | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +9.5% | +58.9% |
| ROA (TTM)Return on assets | +1.1% | +22.7% |
| ROICReturn on invested capital | +7.9% | +29.2% |
| ROCEReturn on capital employed | +2.4% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.17x | 0.66x |
| Net DebtTotal debt minus cash | $142M | $5.0B |
| Cash & Equiv.Liquid assets | $185M | $20.2B |
| Total DebtShort + long-term debt | $327M | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.05x | 26.72x |
V leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NBTB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,262 today (with dividends reinvested), compared to $12,989 for NBTB. Over the past 12 months, NBTB leads with a +9.0% total return vs V's -7.4%. The 3-year compound annual growth rate (CAGR) favors NBTB at 15.5% vs V's 12.2% — a key indicator of consistent wealth creation.
| Metric | NBTBNBT Bancorp Inc. | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +9.3% | -7.1% |
| 1-Year ReturnPast 12 months | +9.0% | -7.4% |
| 3-Year ReturnCumulative with dividends | +54.1% | +41.2% |
| 5-Year ReturnCumulative with dividends | +29.9% | +42.6% |
| 10-Year ReturnCumulative with dividends | +102.2% | +329.1% |
| CAGR (3Y)Annualised 3-year return | +15.5% | +12.2% |
NBTB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — NBTB and V each lead in 1 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than NBTB's 0.89 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NBTB currently trades 96.1% from its 52-week high vs V's 85.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NBTBNBT Bancorp Inc. | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.89x | 0.68x |
| 52-Week HighHighest price in past year | $46.92 | $375.51 |
| 52-Week LowLowest price in past year | $39.20 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +96.1% | +85.6% |
| RSI (14)Momentum oscillator 0–100 | 57.3 | 53.3 |
| Avg Volume (50D)Average daily shares traded | 236K | 6.9M |
Evenly matched — NBTB and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NBTB and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates NBTB as "Hold" and V as "Buy". Consensus price targets imply 12.8% upside for V (target: $362) vs 2.1% for NBTB (target: $46). For income investors, NBTB offers the higher dividend yield at 3.17% vs V's 0.73%.
| Metric | NBTBNBT Bancorp Inc. | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $46.00 | $362.45 |
| # AnalystsCovering analysts | 10 | 61 |
| Dividend YieldAnnual dividend ÷ price | +3.2% | +0.7% |
| Dividend StreakConsecutive years of raises | 12 | 15 |
| Dividend / ShareAnnual DPS | $1.43 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | +2.2% |
Evenly matched — NBTB and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). NBTB leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallNBT Bancorp Inc. (NBTB)Leads 2 of 6 categories
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NBTB vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NBTB or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus 10. 4% for NBT Bancorp Inc. (NBTB). NBT Bancorp Inc. (NBTB) offers the better valuation at 13. 5x trailing P/E (10. 8x forward), making it the more compelling value choice. Analysts rate Visa Inc. (V) a "Buy" — based on 61 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NBTB or V?
On trailing P/E, NBT Bancorp Inc.
(NBTB) is the cheapest at 13. 5x versus Visa Inc. at 31. 5x. On forward P/E, NBT Bancorp Inc. is actually cheaper at 10. 8x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: NBT Bancorp Inc. wins at 1. 53x versus Visa Inc. 's 1. 55x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — NBTB or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 6%, compared to +29. 9% for NBT Bancorp Inc. (NBTB). Over 10 years, the gap is even starker: V returned +329. 1% versus NBTB's +102. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NBTB or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus NBT Bancorp Inc. 's 0. 89β — meaning NBTB is approximately 31% more volatile than V relative to the S&P 500. On balance sheet safety, NBT Bancorp Inc. (NBTB) carries a lower debt/equity ratio of 17% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — NBTB or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus 10. 4% for NBT Bancorp Inc. (NBTB). On earnings-per-share growth, the picture is similar: NBT Bancorp Inc. grew EPS 12. 5% year-over-year, compared to 4. 8% for Visa Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — NBTB or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 19. 5% for NBT Bancorp Inc. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 25. 3% for NBTB. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is NBTB or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, NBT Bancorp Inc. (NBTB) is the more undervalued stock at a PEG of 1. 53x versus Visa Inc. 's 1. 55x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, NBT Bancorp Inc. (NBTB) trades at 10. 8x forward P/E versus 24. 6x for Visa Inc. — 13. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 12. 8% to $362. 45.
08Which pays a better dividend — NBTB or V?
All stocks in this comparison pay dividends.
NBT Bancorp Inc. (NBTB) offers the highest yield at 3. 2%, versus 0. 7% for Visa Inc. (V).
09Is NBTB or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +329. 1% 10Y return). Both have compounded well over 10 years (V: +329. 1%, NBTB: +102. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between NBTB and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: NBTB is a small-cap deep-value stock; V is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(NBTB: 10.4% · V: 11.3%)Net Margin>
%
(NBTB: 19.5% · V: 50.1%)P/E Ratio<
x
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