Banc of California, Inc. (BANC) vs NBT Bancorp Inc. (NBTB)
Banc of California, Inc. and NBT Bancorp Inc. are both Banks Regional companies. Banc of California, Inc. and NBT Bancorp Inc. are of similar size ($2.8B and $2.7B). Banc of California, Inc. has negative trailing earnings, so its P/E is not meaningful; NBT Bancorp Inc. trades at 12.6×. NBT Bancorp Inc. grew revenue faster over the last twelve months: 14.5% against −12.9%. NBT Bancorp Inc. has the higher net margin (22.6% vs −4.01%) and the higher return on invested capital (9.65% vs −2.54%). Both pay a dividend; NBT Bancorp Inc. yields more (3.86% vs 3.15%). Across the 19 metrics below, NBT Bancorp Inc. leads on 11 and Banc of California, Inc. on 8.
Valuation
Profitability
| Metric | BANC | NBTB | Banks Regional median |
|---|---|---|---|
| Gross margin | 57.08% | 78.28% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (4.01%) | 22.58% | 18.66% |
| Free cash flow margin | 23.51% | 25.90% | 21.18% |
| Return on equity | (2.13%) | 11.42% | 10.64% |
| Return on assets | (0.18%) | 1.33% | 1.13% |
| Return on invested capital | (2.54%) | 9.65% | 8.33% |
Growth
Health
Dividend
Size
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