HSBC vs NBTB: Which Is the Better Dividend Stock?
As of July 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 3.62%, NBTB has the higher dividend-safety score, and NBTB trades at the larger discount to fair value (+138%).
| Metric | HSBC | NBTB |
|---|---|---|
| Forward yield | 3.62% | 2.98% |
| Annual dividend | $3.75 | $1.60 |
| Payout ratio | 62% | 41% |
| Years of growth | 0 yr | 13 yr |
| 5-yr dividend growth | -13.8% | 5.6% |
| 5-yr total return | 291% | 46% |
| Dividend safety score | 70 (B) | 98 (A) |
| Fair value estimate | $126.29 | $124.72 |
| Upside to fair value | +22% | +138% |
| Frequency | quarterly | quarterly |
| Market cap | $351.9B | $2.8B |
| P/E ratio | 17.2 | 15.2 |
Higher yield
HSBC
3.62%
Safer dividend
NBTB
Grade A
Faster growth
NBTB
5.6%
Better value
NBTB
+138% upside
HSBC vs NBTB — FAQ
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.