NBT Bancorp (NASDAQ: NBTB) and Equity BancShares (NASDAQ:EQBK) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.
Volatility & Risk
NBT Bancorp has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, Equity BancShares has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500.
This table compares NBT Bancorp and Equity BancShares’ top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|NBT Bancorp||$430.71 million||3.62||$82.15 million||$1.87||19.14|
|Equity BancShares||$118.13 million||4.43||$20.65 million||$1.63||22.00|
NBT Bancorp has higher revenue and earnings than Equity BancShares. NBT Bancorp is trading at a lower price-to-earnings ratio than Equity BancShares, indicating that it is currently the more affordable of the two stocks.
This is a summary of current ratings for NBT Bancorp and Equity BancShares, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
NBT Bancorp currently has a consensus price target of $37.83, indicating a potential upside of 5.71%. Equity BancShares has a consensus price target of $33.00, indicating a potential downside of 7.98%. Given NBT Bancorp’s higher possible upside, equities analysts clearly believe NBT Bancorp is more favorable than Equity BancShares.
NBT Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 2.6%. Equity BancShares does not pay a dividend. NBT Bancorp pays out 49.2% of its earnings in the form of a dividend.
Institutional and Insider Ownership
49.8% of NBT Bancorp shares are owned by institutional investors. Comparatively, 51.7% of Equity BancShares shares are owned by institutional investors. 3.1% of NBT Bancorp shares are owned by insiders. Comparatively, 14.9% of Equity BancShares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
This table compares NBT Bancorp and Equity BancShares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Equity BancShares beats NBT Bancorp on 9 of the 16 factors compared between the two stocks.
NBT Bancorp Company Profile
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.
Equity BancShares Company Profile
Equity Bancshares, Inc. is a bank holding company. The Company’s principal activity is the ownership and management of its subsidiary, Equity Bank (the Bank). The Bank provides a range of financial services primarily to businesses and business owners, as well as individuals through its network of over 30 branches located in Kansas and Missouri. The Company’s operations involve the delivery of loan and deposit products to its customers. The Company offers commercial banking products and other services, including lending activities, deposit products, and other products and services. It offers a suite of online banking solutions, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements and mobile banking solutions. In addition, the Company offers commercial treasury management services, wire transfer, automated clearing house (ACH) services and cash management deposit products.
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