Pricing Log in Create free account

Beacon Financial Corporation (BBT) vs NBT Bancorp Inc. (NBTB)

Beacon Financial Corporation and NBT Bancorp Inc. are both Banks Regional companies. Beacon Financial Corporation and NBT Bancorp Inc. are of similar size ($2.8B and $2.6B). Beacon Financial Corporation trades at the lower P/E: 11.4× against 12.7×. Beacon Financial Corporation grew revenue faster over the last twelve months: 74.5% against 9.61%. NBT Bancorp Inc. has the higher net margin (22.9% vs 17.4%) and the lower return on invested capital (9.91% vs 10.1%). Only NBT Bancorp Inc. pays a dividend (2.85%). Across the 18 metrics below, Beacon Financial Corporation leads on 10 and NBT Bancorp Inc. on 8.

Valuation

Metric BBT NBTB Banks Regional median
P/E 11.38 12.66 12.02
P/S 1.98 2.88 2.36
P/B 1.02 1.41 1.23
Price to free cash flow 11.89 11.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.79% 7.90% 8.21%
Free cash flow yield 8.41% 8.96% 9.23%

Profitability

Metric BBT NBTB Banks Regional median
Gross margin 67.84% 78.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.38% 22.87% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.13% 0.00% 10.28%
Return on assets 1.01% 1.34% 1.13%
Return on invested capital 10.05% 9.91% 8.45%

Growth

Metric BBT NBTB Banks Regional median
Revenue growth (TTM) 74.49% 9.61% 6.37%
EPS growth (last fiscal year) 33.85% 12.12% 18.85%
Revenue growth, 5-year CAGR 13.14% 12.88% 12.65%
Net income growth, 5-year CAGR 0.00% 10.15% 9.81%

Health

Metric BBT NBTB Banks Regional median
Debt to equity 0.31 0.08 0.17
Current ratio 0.98 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT NBTB Banks Regional median
Dividend yield 0.00% 2.85% 2.49%
Payout ratio 0.00 0.36 0.29

Size

Metric BBT NBTB Banks Regional median
Market cap 2.57b 2.75b 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack