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Columbia Financial (CLBK) vs NBT Bancorp Inc. (NBTB)

Columbia Financial and NBT Bancorp Inc. are both Banks Regional companies. Columbia Financial and NBT Bancorp Inc. are of similar size ($3.0B and $2.8B). NBT Bancorp Inc. trades at the lower P/E: 12.7× against 32.8×. Columbia Financial grew revenue faster over the last twelve months: 12.4% against 9.61%. NBT Bancorp Inc. has the higher net margin (22.9% vs 11.2%) and the higher return on invested capital (9.91% vs 3.82%). Both pay a dividend; NBT Bancorp Inc. yields more (2.85% vs 0.45%). Across the 19 metrics below, NBT Bancorp Inc. leads on 12 and Columbia Financial on 7.

Valuation

Metric CLBK NBTB Banks Regional median
P/E 32.76 12.66 12.02
P/S 2.14 2.88 2.36
P/B 0.93 1.41 1.23
Price to free cash flow 16.21 11.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.05% 7.90% 8.21%
Free cash flow yield 6.17% 8.96% 9.23%

Profitability

Metric CLBK NBTB Banks Regional median
Gross margin 53.31% 78.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.19% 22.87% 18.82%
Free cash flow margin 13.23% 0.00% 17.97%
Return on equity 5.02% 0.00% 10.28%
Return on assets 0.51% 1.34% 1.13%
Return on invested capital 3.82% 9.91% 8.45%

Growth

Metric CLBK NBTB Banks Regional median
Revenue growth (TTM) 12.41% 9.61% 6.37%
EPS growth (last fiscal year) 563.60% 12.12% 18.85%
Revenue growth, 5-year CAGR 9.21% 12.88% 12.65%
Net income growth, 5-year CAGR (2.11%) 10.15% 9.81%

Health

Metric CLBK NBTB Banks Regional median
Debt to equity 1.02 0.08 0.17
Current ratio 0.98 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLBK NBTB Banks Regional median
Dividend yield 0.45% 2.85% 2.49%
Payout ratio 0.15 0.36 0.29

Size

Metric CLBK NBTB Banks Regional median
Market cap 2.97b 2.75b 934.85m

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