Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.
WaFdNBT Bancorp

WaFd vs NBT Bancorp

WaFd and NBT Bancorp are presented side by side to compare their business models, financial performance, and the market context in which they operate. The page remains neutral and accessible, outlinin...

Investment Analysis

WaFd

WaFd

WAFD

Pros

  • Washington Federal operates a well-established network of 208 branches across nine states with $26.7 billion in assets, supporting diverse consumer and commercial banking services.
  • The company reported a 13% year-over-year increase in net income for fiscal 2025 and 5.2% growth in diluted EPS, indicating improving profitability.
  • It has a strong capital base with $3.0 billion in shareholders' equity and a long history of consistent dividends, including its 169th consecutive quarterly dividend.

Considerations

  • The stock experienced a recent EPS miss, reporting $0.17 versus expectations of $0.40, reflecting potential challenges in earnings execution.
  • Washington Federal's revenue growth declined by 1.58%, suggesting pressure on top-line expansion.
  • Recent technical indicators show mixed signals and some selling pressure with potential risk of further decline if key support levels fail.
NBT Bancorp

Pros

  • NBT Bancorp has a solid regional banking presence focused on community banking and diversified loan portfolios.
  • The company maintains stable profitability metrics supported by moderate asset growth and disciplined credit risk management.
  • NBT Bancorp benefits from steady deposit growth and strong customer relationships in its core operating regions.

Considerations

  • Like many banks, NBT Bancorp faces macroeconomic headwinds including interest rate fluctuations impacting net interest margins.
  • Regulatory and compliance costs may pressure operating expenses and impact future earnings.
  • Its growth prospects may be limited compared to larger national peers due to its regional banking footprint and market size.

Which Baskets Do They Appear In?

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Published: August 14, 2025

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