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NBT Bancorp vs Bancfirst: NBTB and BANF compared
NBT Bancorp is the larger company: $195M of revenue in its latest quarter (Q3 2026) against $187M for Bancfirst (Q3 2026). Bancfirst is growing faster (+7% against +5% a year earlier). Bancfirst is more profitable, with an operating margin of 45.9% against 39.0%.
Where the money goes: NBTB and BANF
NBT Bancorp (NBTB) · Q3 2026
NBT Bancorp, Q3 2026: revenue $195M (+5% year over year), operating margin 39.0%, net earnings $58.0M, operating cash flow $76.3M. The chart follows the revenue to costs, profit and cash.
Bancfirst (BANF) · Q3 2026
Bancfirst, Q3 2026: revenue $187M (+7% year over year), operating margin 45.9%, net earnings $67.3M, operating cash flow $86.1M. The chart follows the revenue to costs, profit and cash.
| NBT Bancorp (NBTB) | Bancfirst (BANF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $195M | $187M |
| Revenue growth, Y/Y | +5% | +7% |
| Operating margin | 39.0% | 45.9% |
| Net earnings | $58.0M | $67.3M |
| Net margin | 29.8% | 35.9% |
| Operating cash flow | $76.3M | $86.1M |
| Free cash flow | $74.4M | $69.9M |
| Market value | $2.6B | $3.7B |
| P/E | 12.0× | 14.2× |
| Analysts’ mean target | $57.17 | $122.33 |
Where the revenue comes from
NBT Bancorp
- Net interest income: $142M (73%)
- Noninterest income: $52.9M (27%)
Bancfirst
- Net interest income: $136M (73%)
- Noninterest income: $51.4M (27%)
Questions
Which is bigger, NBT Bancorp or Bancfirst?
NBT Bancorp is the larger company: $195M of revenue in its latest quarter (Q3 2026) against $187M for Bancfirst (Q3 2026).
Is NBT Bancorp or Bancfirst growing faster?
Bancfirst is growing faster (+7% against +5% a year earlier).
Which is more profitable, NBT Bancorp or Bancfirst?
Bancfirst is more profitable, with an operating margin of 45.9% against 39.0%.
More: NBT Bancorp earnings · how NBT Bancorp makes money · Bancfirst earnings · how Bancfirst makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.