BAC vs NBTB: Which Is the Better Dividend Stock?
As of September 2026, NBTB (NBT Bancorp Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. NBTB offers the higher yield at 3.09%, NBTB has the higher dividend-safety score, and NBTB trades at the larger discount to fair value (+143%).
| Metric | BAC | NBTB |
|---|---|---|
| Forward yield | 2.04% | 3.09% |
| Annual dividend | $1.28 | $1.60 |
| Payout ratio | 26% | 36% |
| Years of growth | 12 yr | 13 yr |
| 5-yr dividend growth | 8.4% | 5.6% |
| 5-yr total return | 48% | 43% |
| Dividend safety score | 86 (A) | 99 (A) |
| Fair value estimate | $91.51 | $125.91 |
| Upside to fair value | +46% | +143% |
| Frequency | quarterly | quarterly |
| Market cap | $438.4B | $2.7B |
| P/E ratio | 14.5 | 12.6 |
Higher yield
NBTB
3.09%
Safer dividend
NBTB
Grade A
Faster growth
BAC
8.4%
Better value
NBTB
+143% upside
BAC vs NBTB — FAQ
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