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

NBTB has the lower trailing P/E: CLBK trades at 43.06 and NBTB at 12.47. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CLBK or NBTB?

Over the past five years, NBTB grew revenue faster — CLBK at a 9.43% CAGR versus NBTB at 14.08%.

Does CLBK or NBTB pay a bigger dividend?

CLBK yields 0.44% and NBTB yields 2.95% based on trailing dividends and the latest price.

Is CLBK or NBTB more profitable?

NBTB runs the higher net margin — CLBK at 11.53% versus NBTB at 22.65%.

How have CLBK and NBTB total returns compared?

Over the past 5 years, CLBK delivered 5.66% and NBTB delivered 10.28% annualized total return. Past performance doesn't predict future results.

Columbia Financial, Inc. (CLBK) vs NBT Bancorp Inc. (NBTB)

A side-by-side comparison of Columbia 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.

CLBK

Columbia Financial, Inc.

$2.51B

$11.21Financial ServicesDelayed quote: Oct 6, 2026, 11:50 AM EDT

NBTB

NBT Bancorp Inc.

$2.65B

$50.88Financial ServicesDelayed quote: Oct 6, 2026, 11:44 AM EDT

Total return — CLBK vs NBTB

growth of $100 · dividends reinvested · last 8y

CLBK +62.1% (+6.2%/yr)NBTB +83.8% (+7.9%/yr)NBTB compounded faster over this window

CLBK NBTB

CLBK vs NBTB: by the numbers

•NBTB is the larger company ($2.65B vs $2.51B market cap).
•NBTB trades at the lower trailing earnings multiple (12.47 vs 43.06 P/E), one valuation lens rather than an overall verdict.
•NBTB converts more revenue to profit (22.65% vs 11.53% net margin).
•NBTB grew revenue faster over the past five years (14.08% vs 9.43% CAGR).
•NBTB pays the higher dividend yield (2.95% vs 0.44%).

Metrics side by side

Valuation

Metric	CLBK	NBTB
P/E ratio	43.06	12.47
Forward P/E	40.22	12.19
PEG ratio	N/A	1.77
P/S ratio	4.97	2.80
P/B ratio	2.09	1.36

Profitability

Metric	CLBK	NBTB
Operating margin	11.80%	29.34%
Net margin	11.53%	22.65%
ROE	4.86%	11.02%

Columbia 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	CLBK	NBTB
Dividend yield	0.44%	2.95%
Payout ratio	19.20%	37.01%

Growth (annualized)

Metric	CLBK	NBTB
Revenue CAGR (5Y)	9.43%	14.08%
EPS CAGR (5Y)	-0.39%	6.92%
Total return CAGR (5Y)	5.66%	10.28%

Frequently asked

Which has the lower trailing P/E, CLBK or NBTB?: NBTB has the lower trailing P/E: CLBK trades at 43.06 and NBTB at 12.47. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CLBK or NBTB?: Over the past five years, NBTB grew revenue faster — CLBK at a 9.43% CAGR versus NBTB at 14.08%.
Does CLBK or NBTB pay a bigger dividend?: CLBK yields 0.44% and NBTB yields 2.95% based on trailing dividends and the latest price.
Is CLBK or NBTB more profitable?: NBTB runs the higher net margin — CLBK at 11.53% versus NBTB at 22.65%.
How have CLBK and NBTB total returns compared?: Over the past 5 years, CLBK delivered 5.66% and NBTB delivered 10.28% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CLBK analysis Full NBTB analysis Interactive comparison tool

Dig into the metrics

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

Columbia 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.