FB Financial Corporation (FBK) vs NBT Bancorp Inc. (NBTB)

FB Financial Corporation and NBT Bancorp Inc. are both Banks Regional companies. FB Financial Corporation and NBT Bancorp Inc. are of similar size ($2.7B and $2.6B). NBT Bancorp Inc. trades at the lower P/E: 12.6× against 14.1×. FB Financial Corporation grew revenue faster over the last twelve months: 42.2% against 14.5%. NBT Bancorp Inc. has the higher net margin (22.6% vs 19.0%) and the lower return on invested capital (9.65% vs 20.4%). Both pay a dividend; NBT Bancorp Inc. yields more (3.86% vs 1.74%). Across the 20 metrics below, NBT Bancorp Inc. leads on 13 and FB Financial Corporation on 7.

Valuation

Metric FBK NBTB Banks Regional median
P/E 14.15 12.58 12.15
P/S 2.63 2.83 2.37
P/B 1.40 1.38 1.21
Price to free cash flow 13.38 10.91 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.76 2.68 2.27
Earnings yield 7.07% 7.95% 8.11%
Free cash flow yield 7.47% 9.16% 8.98%

Profitability

Metric FBK NBTB Banks Regional median
Gross margin 67.62% 78.28% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.00% 22.58% 18.66%
Free cash flow margin 19.63% 25.90% 21.18%
Return on equity 11.08% 11.42% 10.64%
Return on assets 1.30% 1.33% 1.13%
Return on invested capital 20.39% 9.65% 8.33%

Growth

Metric FBK NBTB Banks Regional median
Revenue growth (TTM) 42.15% 14.47% 6.61%
EPS growth (last fiscal year) (0.81%) 12.12% —
Revenue growth, 5-year CAGR 7.32% 12.88% 12.30%
Net income growth, 5-year CAGR 14.02% 10.15% 9.71%

Health

Metric FBK NBTB Banks Regional median
Debt to equity 0.00 0.08 0.22
Current ratio 0.95 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBK NBTB Banks Regional median
Dividend yield 1.74% 3.86% 3.75%
Payout ratio 0.19 0.37 0.27

Size

Metric FBK NBTB Banks Regional median
Market cap 2.64b 2.66b 921.07m

Compare with another peer

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