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NBT Bancorp vs Pathward Financial: NBTB and CASH compared
NBT Bancorp is the larger company: $195M of revenue in its latest quarter (Q3 2026) against $190M for Pathward Financial (Q3 FY26). NBT Bancorp is growing faster (+5% against -3% a year earlier). NBT Bancorp is more profitable, with an operating margin of 39.0% against 17.0%.
Where the money goes: NBTB and CASH
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.
Pathward Financial (CASH) · Q3 FY26
Pathward Financial, Q3 FY26: revenue $190M (-3% year over year), operating margin 17.0%, net earnings $29.0M, operating cash flow $52.0M. The chart follows the revenue to costs, profit and cash.
| NBT Bancorp (NBTB) | Pathward Financial (CASH) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 FY26 |
| Revenue | $195M | $190M |
| Revenue growth, Y/Y | +5% | -3% |
| Operating margin | 39.0% | 17.0% |
| Net earnings | $58.0M | $29.0M |
| Net margin | 29.8% | 15.3% |
| Operating cash flow | $76.3M | $52.0M |
| Free cash flow | $74.4M | $48.6M |
| Market value | $2.6B | — |
| P/E | 12.0× | — |
| Analysts’ mean target | $57.17 | — |
Where the revenue comes from
NBT Bancorp
- Net interest income: $142M (73%)
- Noninterest income: $52.9M (27%)
Pathward Financial
- Consumer: $111M (58%)
- Commercial: $78.4M (41%)
- Corporate Services/Other: $503K (0%)
Questions
Which is bigger, NBT Bancorp or Pathward Financial?
NBT Bancorp is the larger company: $195M of revenue in its latest quarter (Q3 2026) against $190M for Pathward Financial (Q3 FY26).
Is NBT Bancorp or Pathward Financial growing faster?
NBT Bancorp is growing faster (+5% against -3% a year earlier).
Which is more profitable, NBT Bancorp or Pathward Financial?
NBT Bancorp is more profitable, with an operating margin of 39.0% against 17.0%.
More: NBT Bancorp earnings · how NBT Bancorp makes money · Pathward Financial earnings · how Pathward Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Aug 6, 2026). Fiscal quarters can end on different dates. Not investment advice.