AI Verdict
NBTB has stronger fundamentals based on our AI analysis.
NBY vs NBTB Fundamental Comparison
| Metric | NBY | NBTB |
|---|---|---|
| Revenue | $521,000.0 | $183.0M |
| Net Income | $-22.1M | $169.2M |
| Net Margin | -4,249.7% | 92.5% |
| ROE | N/A | 8.9% |
| ROA | -245.1% | 1.1% |
| Current Ratio | 7.60x | N/A |
| Debt/Equity | N/A | 0.01x |
| EPS | $0.76 | $3.33 |
Green = Better metric | Red = Weaker metric
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NBY vs NBTB: Frequently Asked Questions
Is NBY or NBTB a better buy in 2026?
Based on dual AI fundamental analysis (Claude and ChatGPT), NBTB has stronger fundamentals. NBY is rated STRONG SELL (95% confidence) while NBTB is rated HOLD (38% confidence). This is not investment advice.
How does NBY compare to NBTB fundamentally?
NovaBay Pharmaceuticals, Inc. has ROE of N/A vs NBT BANCORP INC's 8.9%. Net margins are -4,249.7% vs 92.5% respectively.
Which stock pays higher dividends, NBY or NBTB?
NBY has a dividend yield of N/A or no dividend while NBTB has N/A or no dividend. Check individual stock pages for detailed dividend history and payout ratios.
Should I invest in NBY or NBTB for long term?
For long-term investing, consider that NBY has STRONG SELL rating with 95% confidence, while NBTB has HOLD rating with 38% confidence. Higher confidence indicates more consistent fundamentals from SEC filings. This is not investment advice - always do your own research.
What do the AI models say about NBY vs NBTB?
Our dual AI system (Claude by Anthropic and ChatGPT by OpenAI) analyzes SEC 10-K and 10-Q filings independently. For NBY vs NBTB, the AI consensus favors NBTB based on fundamental metrics including revenue growth, profitability, ROE, and balance sheet strength.