HSBC 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. HSBC offers the higher yield at 3.56%, NBTB has the higher dividend-safety score, and NBTB trades at the larger discount to fair value (+143%).
| Metric | HSBC | NBTB |
|---|---|---|
| Forward yield | 3.56% | 3.09% |
| Annual dividend | $3.75 | $1.60 |
| Payout ratio | 54% | 36% |
| Years of growth | 0 yr | 13 yr |
| 5-yr dividend growth | -13.8% | 5.6% |
| 5-yr total return | 303% | 43% |
| Dividend safety score | 72 (B) | 99 (A) |
| Fair value estimate | $136.26 | $125.91 |
| Upside to fair value | +29% | +143% |
| Frequency | quarterly | quarterly |
| Market cap | $360.6B | $2.7B |
| P/E ratio | 15.0 | 12.6 |
Higher yield
HSBC
3.56%
Safer dividend
NBTB
Grade A
Faster growth
NBTB
5.6%
Better value
NBTB
+143% upside
HSBC vs NBTB — FAQ
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