Which has grown faster, NBTB or OXLCM?

Over the past five years, OXLCM grew revenue faster — NBTB at a 14.08% CAGR versus OXLCM at 25.20%.

Does NBTB or OXLCM pay a bigger dividend?

NBTB yields 2.95% and OXLCM yields 4.40% based on trailing dividends and the latest price.

Is NBTB or OXLCM more profitable?

NBTB runs the higher net margin — NBTB at 22.65% versus OXLCM at -149.35%.

How have NBTB and OXLCM total returns compared?

Over the past 5 years, NBTB delivered 10.28% and OXLCM delivered 4.42% annualized total return. Past performance doesn't predict future results.

NBT Bancorp Inc. (NBTB) vs Oxford Lane Capital Corp. (OXLCM)

A side-by-side comparison of NBT Bancorp Inc. and Oxford Lane Capital Corp. 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.

NBTB

NBT Bancorp Inc.

$2.63B

$50.58Financial ServicesDelayed quote: Oct 6, 2026, 1:30 PM EDT

OXLCM

Oxford Lane Capital Corp.

$2.44B

$25.04Financial ServicesDelayed quote: Oct 6, 2026, 1:26 PM EDT

Total return — NBTB vs OXLCM

growth of $100 · dividends reinvested · last 9y

NBTB +88.2% (+7.3%/yr)OXLCM +68.9% (+6.0%/yr)NBTB compounded faster over this window

NBTB OXLCM

NBTB vs OXLCM: by the numbers

•NBTB is the larger company ($2.63B vs $2.44B market cap).
•NBTB is profitable (22.65% net margin) while OXLCM runs a net loss (-149.35%).
•OXLCM grew revenue faster over the past five years (25.20% vs 14.08% CAGR).
•OXLCM pays the higher dividend yield (4.40% vs 2.95%).

Metrics side by side

Valuation

Metric	NBTB	OXLCM
P/E ratio	12.40	N/A
Forward P/E	12.11	6.42
PEG ratio	1.76	N/A
P/S ratio	2.78	N/A
P/B ratio	1.35	2.37

Profitability

Metric	NBTB	OXLCM
Gross margin	N/A	68.25%
Operating margin	29.34%	-135.44%
Net margin	22.65%	-149.35%
ROE	11.02%	-56.75%

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	NBTB	OXLCM
Dividend yield	2.95%	4.40%
Payout ratio	37.01%	N/A

Growth (annualized)

Metric	NBTB	OXLCM
Revenue CAGR (5Y)	14.08%	25.20%
EPS CAGR (5Y)	6.92%	N/A
Total return CAGR (5Y)	10.28%	4.42%

Frequently asked

Which has grown faster, NBTB or OXLCM?: Over the past five years, OXLCM grew revenue faster — NBTB at a 14.08% CAGR versus OXLCM at 25.20%.
Does NBTB or OXLCM pay a bigger dividend?: NBTB yields 2.95% and OXLCM yields 4.40% based on trailing dividends and the latest price.
Is NBTB or OXLCM more profitable?: NBTB runs the higher net margin — NBTB at 22.65% versus OXLCM at -149.35%.
How have NBTB and OXLCM total returns compared?: Over the past 5 years, NBTB delivered 10.28% and OXLCM delivered 4.42% annualized total return. Past performance doesn't predict future results.

Go deeper

Full NBTB analysis Full OXLCM analysis Interactive comparison tool

Dig into the metrics

NBT Bancorp P/E ratio NBT Bancorp dividend yield Oxford Lane Capital dividend yield NBT Bancorp ROE Oxford Lane Capital ROE NBT Bancorp operating margin Oxford Lane Capital operating margin NBT Bancorp revenue growth Oxford Lane Capital revenue growth

NBT Bancorp & Oxford Lane Capital appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth 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.