NBT Bancorp (NASDAQ: NBTB) is one of 327 public companies in the “Banks” industry, but how does it contrast to its competitors? We will compare NBT Bancorp to similar companies based on the strength of its profitability, earnings, dividends, risk, analyst recommendations, institutional ownership and valuation.

Insider and Institutional Ownership

49.2% of NBT Bancorp shares are owned by institutional investors. Comparatively, 52.6% of shares of all “Banks” companies are owned by institutional investors. 2.8% of NBT Bancorp shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares NBT Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
NBT Bancorp 19.68% 8.81% 0.91%
NBT Bancorp Competitors 19.06% 8.86% 0.94%

Risk & Volatility

NBT Bancorp has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, NBT Bancorp’s competitors have a beta of 0.78, meaning that their average share price is 22% less volatile than the S&P 500.

Valuation and Earnings

This table compares NBT Bancorp and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
NBT Bancorp $359.49 million N/A 20.64
NBT Bancorp Competitors N/A N/A 18.78

NBT Bancorp is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Dividends

NBT Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 2.4%. NBT Bancorp pays out 49.5% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 36.7% of their earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for NBT Bancorp and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
NBT Bancorp 0 3 0 0 2.00
NBT Bancorp Competitors 1994 7960 8131 309 2.37

NBT Bancorp presently has a consensus target price of $35.50, suggesting a potential downside of 7.53%. As a group, “Banks” companies have a potential downside of 8.20%. Given NBT Bancorp’s higher possible upside, equities research analysts clearly believe NBT Bancorp is more favorable than its competitors.

Summary

NBT Bancorp competitors beat NBT Bancorp on 8 of the 14 factors compared.

About NBT Bancorp

NBT Bancorp Inc. is a financial holding company. The Company conducts its business through NBT Bank, National Association (the Bank) and also through its other subsidiaries, which includes providing commercial banking and financial services to customers in its market area, including central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont and Portland, Maine area. The Bank is a commercial bank, which provides a range of financial products to individuals, corporations and municipalities. The Bank offers deposit products, which include demand deposit accounts, negotiable order of withdrawal accounts, money market deposit accounts and certificate of deposit accounts. It offers loan products, which include consumer loans, home equity loans, mortgages and commercial loans. The Bank offers other products and services, such as trust and investment services, and financial planning and life insurance services through its branch network.

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