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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 ($2.8B and $2.7B). FB Financial Corporation trades at the lower P/E: 12.0× against 12.7×. FB Financial Corporation grew revenue faster over the last twelve months: 25.5% against 9.61%. NBT Bancorp Inc. has the higher net margin (22.9% vs 22.6%) and the lower return on invested capital (9.91% vs 20.5%). Both pay a dividend; NBT Bancorp Inc. yields more (2.85% vs 1.51%). Across the 19 metrics below, FB Financial Corporation leads on 12 and NBT Bancorp Inc. on 7.

Valuation

Metric FBK NBTB Banks Regional median
P/E 12.05 12.66 12.02
P/S 2.63 2.88 2.36
P/B 1.40 1.41 1.23
Price to free cash flow 15.41 11.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.30% 7.90% 8.21%
Free cash flow yield 6.49% 8.96% 9.23%

Profitability

Metric FBK NBTB Banks Regional median
Gross margin 67.87% 78.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.62% 22.87% 18.82%
Free cash flow margin 17.07% 0.00% 17.97%
Return on equity 11.93% 0.00% 10.28%
Return on assets 1.40% 1.34% 1.13%
Return on invested capital 20.48% 9.91% 8.45%

Growth

Metric FBK NBTB Banks Regional median
Revenue growth (TTM) 25.48% 9.61% 6.37%
EPS growth (last fiscal year) (0.81%) 12.12% 18.85%
Revenue growth, 5-year CAGR 7.32% 12.88% 12.65%
Net income growth, 5-year CAGR 14.02% 10.15% 9.81%

Health

Metric FBK NBTB Banks Regional median
Debt to equity 0.00 0.08 0.17
Current ratio 0.95 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBK NBTB Banks Regional median
Dividend yield 1.51% 2.85% 2.49%
Payout ratio 0.18 0.36 0.29

Size

Metric FBK NBTB Banks Regional median
Market cap 2.66b 2.75b 934.85m

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