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First Bancorp (FBNC) vs NBT Bancorp Inc. (NBTB)

First Bancorp and NBT Bancorp Inc. are both Banks Regional companies. First Bancorp and NBT Bancorp Inc. are of similar size ($2.6B and $2.5B). NBT Bancorp Inc. trades at the lower P/E: 12.4× against 18.7×. NBT Bancorp Inc. grew revenue faster over the last twelve months: 14.5% against 4.32%. First Bancorp has the higher net margin (23.1% vs 22.6%) and the lower return on invested capital (8.32% vs 9.65%). Both pay a dividend; NBT Bancorp Inc. yields more (2.97% vs 1.57%). Across the 19 metrics below, NBT Bancorp Inc. leads on 13 and First Bancorp on 6.

Valuation

Metric FBNC NBTB Banks Regional median
P/E 18.75 12.40 11.98
P/S 4.33 2.79 2.34
P/B 1.45 1.36 1.19
Price to free cash flow 10.61 10.76 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.33% 8.06% 8.23%
Free cash flow yield 9.42% 9.29% 9.08%

Profitability

Metric FBNC NBTB Banks Regional median
Gross margin 73.64% 78.28% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.08% 22.58% 18.66%
Free cash flow margin 40.76% 25.90% 21.11%
Return on equity 8.11% 11.42% 10.65%
Return on assets 1.03% 1.33% 1.13%
Return on invested capital 8.32% 9.65% 8.35%

Growth

Metric FBNC NBTB Banks Regional median
Revenue growth (TTM) 4.32% 14.47% 6.98%
EPS growth (last fiscal year) 45.65% 12.12% 18.88%
Revenue growth, 5-year CAGR 11.48% 12.88% 12.38%
Net income growth, 5-year CAGR 6.37% 10.15% 9.71%

Health

Metric FBNC NBTB Banks Regional median
Debt to equity 0.04 0.08 0.22
Current ratio 0.85 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBNC NBTB Banks Regional median
Dividend yield 1.57% 2.97% 2.57%
Payout ratio 0.30 0.37 0.30

Size

Metric FBNC NBTB Banks Regional median
Market cap 2.50b 2.63b 913.33m

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