NBT Bancorp (NASDAQ: NBTB) is one of 330 publicly-traded companies in the “Banks” industry, but how does it contrast to its rivals? We will compare NBT Bancorp to similar companies based on the strength of its risk, analyst recommendations, dividends, earnings, valuation, profitability and institutional ownership.

Dividends

NBT Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 2.4%. NBT Bancorp pays out 47.9% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 36.9% of their earnings in the form of a dividend.

Insider & Institutional Ownership

49.2% of NBT Bancorp shares are owned by institutional investors. Comparatively, 52.4% of shares of all “Banks” companies are owned by institutional investors. 2.8% of NBT Bancorp shares are owned by insiders. Comparatively, 10.5% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

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

Net Margins Return on Equity Return on Assets
NBT Bancorp 20.02% 9.01% 0.93%
NBT Bancorp Competitors 18.85% 8.86% 0.94%

Analyst Ratings

This is a summary of recent ratings for NBT Bancorp and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
NBT Bancorp 0 3 0 0 2.00
NBT Bancorp Competitors 2073 8224 8339 323 2.36

NBT Bancorp presently has a consensus target price of $35.50, indicating a potential downside of 8.36%. As a group, “Banks” companies have a potential downside of 8.08%. Given NBT Bancorp’s rivals stronger consensus rating and higher possible upside, analysts clearly believe NBT Bancorp has less favorable growth aspects than its rivals.

Volatility & Risk

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

Valuation and Earnings

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

Gross Revenue EBITDA Price/Earnings Ratio
NBT Bancorp $359.49 million N/A 20.18
NBT Bancorp Competitors N/A N/A 19.80

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

Summary

NBT Bancorp rivals 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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