NBT Bancorp vs WaFd
WaFd reported revenue of $726 million in fiscal 2025, about the same as NBT Bancorp's $697 million in fiscal 2025. NBT Bancorp's revenue grew 20.8% in its latest year, and WaFd's grew 0.6%. NBT Bancorp had a return on equity of 9.9%, against 7.5% at WaFd. Their fiscal years end in different months (December 31 and September 30), so the periods don't line up exactly.
Side by side
| NBT Bancorp | WaFd | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Sep 30, 2025 |
| Revenue | $697M | $726M |
| Revenue growth | 20.8% | 0.6% |
| Revenue growth a year, last 5 years | 8.6% | 5.4% |
| Net income | $169M | $226M |
| Return on equity | 9.9% | 7.5% |
| Return on tangible common equity | 13.5% | 9.2% |
| Efficiency ratio | 63.9% | 58.9% |
| Dividends and buybacks | $83M | $186M |
| Change in diluted share count | 7.3% | 8.0% |
| Last close | $52.83 | $29.43 |
| P/E at the last close | 12.6× | 9.3× |
| Insider trades, last 12 months | bought $976,708, sold $2.4 million | bought $100,200, sold $955,141 |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
NBT BancorpWaFd
Return on equity
Percent. Net income over average equity.
NBT BancorpWaFd
Net income
US$ billions
NBT BancorpWaFd
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the NBT Bancorp and WaFd pages.