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NBT Bancorp Inc. (NBTB) vs Provident Financial Services, Inc (PFS)

NBT Bancorp Inc. and Provident Financial Services, Inc are both Banks Regional companies. NBT Bancorp Inc. and Provident Financial Services, Inc are of similar size ($3.0B and $2.8B). Provident Financial Services, Inc trades at the lower P/E: 9.7× against 12.7×. NBT Bancorp Inc. grew revenue faster over the last twelve months: 9.61% against 4.50%. NBT Bancorp Inc. has the higher net margin (22.9% vs 21.7%) and the higher return on invested capital (9.91% vs 4.82%). Both pay a dividend; Provident Financial Services, Inc yields more (4.17% vs 2.85%). Across the 18 metrics below, Provident Financial Services, Inc leads on 12 and NBT Bancorp Inc. on 6.

Valuation

Metric NBTB PFS Banks Regional median
P/E 12.66 9.67 12.02
P/S 2.88 2.10 2.36
P/B 1.41 1.05 1.23
Price to free cash flow 11.16 8.50 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.90% 10.34% 8.21%
Free cash flow yield 8.96% 11.76% 9.23%

Profitability

Metric NBTB PFS Banks Regional median
Gross margin 78.94% 64.76% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.87% 21.73% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 11.01% 10.28%
Return on assets 1.34% 1.22% 1.13%
Return on invested capital 9.91% 4.82% 8.45%

Growth

Metric NBTB PFS Banks Regional median
Revenue growth (TTM) 9.61% 4.50% 6.37%
EPS growth (last fiscal year) 12.12% 112.38% 18.85%
Revenue growth, 5-year CAGR 12.88% 25.98% 12.65%
Net income growth, 5-year CAGR 10.15% 24.60% 9.81%

Health

Metric NBTB PFS Banks Regional median
Debt to equity 0.08 1.00 0.17
Current ratio 0.87 1.03 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NBTB PFS Banks Regional median
Dividend yield 2.85% 4.17% 2.49%
Payout ratio 0.36 0.40 0.29

Size

Metric NBTB PFS Banks Regional median
Market cap 2.75b 2.99b 934.85m

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