Which has the lower trailing P/E, BHF or NBTB?

BHF has the lower trailing P/E: BHF trades at 3.95 and NBTB at 12.42. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, BHF or NBTB?

Over the past five years, NBTB grew revenue faster — BHF at a -5.56% CAGR versus NBTB at 14.08%.

Does BHF or NBTB pay a bigger dividend?

NBTB pays a dividend (2.95% yield), while BHF has no payments in the available dividend history.

Is BHF or NBTB more profitable?

NBTB runs the higher net margin — BHF at 13.22% versus NBTB at 22.65%.

How have BHF and NBTB total returns compared?

Over the past 5 years, BHF delivered 1.02% and NBTB delivered 10.28% annualized total return. Past performance doesn't predict future results.

Brighthouse Financial, Inc. (BHF) vs NBT Bancorp Inc. (NBTB)

A side-by-side comparison of Brighthouse Financial, Inc. and NBT Bancorp Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

BHF

Brighthouse Financial, Inc.

$2.87B

$50.03Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

NBTB

NBT Bancorp Inc.

$2.64B

$50.67Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — BHF vs NBTB

growth of $100 · dividends reinvested · last 9y

BHF -28.8% (-3.7%/yr)NBTB +84.3% (+7.0%/yr)NBTB compounded faster over this window

BHF NBTB

BHF vs NBTB: by the numbers

•BHF is the larger company ($2.87B vs $2.64B market cap).
•BHF trades at the lower trailing earnings multiple (3.95 vs 12.42 P/E), one valuation lens rather than an overall verdict.
•NBTB converts more revenue to profit (22.65% vs 13.22% net margin).
•NBTB grew revenue faster over the past five years (14.08% vs -5.56% CAGR).
•NBTB pays a dividend (2.95% yield), while BHF has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	BHF	NBTB
P/E ratio	3.95	12.42
Forward P/E	2.53	12.14
PEG ratio	N/A	1.76
P/S ratio	0.46	2.79
P/B ratio	0.44	1.36

Profitability

Metric	BHF	NBTB
Operating margin	15.52%	29.34%
Net margin	13.22%	22.65%
ROE	12.69%	11.02%

Brighthouse Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

NBT Bancorp Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	BHF	NBTB
Dividend yield	N/A	2.95%
Payout ratio	N/A	37.01%

Growth (annualized)

Metric	BHF	NBTB
Revenue CAGR (5Y)	-5.56%	14.08%
EPS CAGR (5Y)	N/A	6.92%
Total return CAGR (5Y)	1.02%	10.28%

Frequently asked

Which has the lower trailing P/E, BHF or NBTB?: BHF has the lower trailing P/E: BHF trades at 3.95 and NBTB at 12.42. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, BHF or NBTB?: Over the past five years, NBTB grew revenue faster — BHF at a -5.56% CAGR versus NBTB at 14.08%.
Does BHF or NBTB pay a bigger dividend?: NBTB pays a dividend (2.95% yield), while BHF has no payments in the available dividend history.
Is BHF or NBTB more profitable?: NBTB runs the higher net margin — BHF at 13.22% versus NBTB at 22.65%.
How have BHF and NBTB total returns compared?: Over the past 5 years, BHF delivered 1.02% and NBTB delivered 10.28% annualized total return. Past performance doesn't predict future results.

Go deeper

Full BHF analysis Full NBTB analysis Interactive comparison tool

Dig into the metrics

Brighthouse Financial P/E ratio NBT Bancorp P/E ratio NBT Bancorp dividend yield Brighthouse Financial ROE NBT Bancorp ROE Brighthouse Financial operating margin NBT Bancorp operating margin Brighthouse Financial revenue growth NBT Bancorp revenue growth

Brighthouse Financial & NBT Bancorp appear in these rankings

Highest Dividend Yield Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.