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NBT Bancorp Inc. (NBTB) vs Trustmark Corporation (TRMK)

NBT Bancorp Inc. and Trustmark Corporation are both Banks Regional companies. NBT Bancorp Inc. and Trustmark Corporation are of similar size ($2.6B and $2.6B). Trustmark Corporation trades at the lower P/E: 11.4× against 12.4×. NBT Bancorp Inc. grew revenue faster over the last twelve months: 14.5% against −0.11%. NBT Bancorp Inc. has the higher net margin (22.6% vs 21.0%) and the lower return on invested capital (9.65% vs 10.5%). Both pay a dividend; NBT Bancorp Inc. yields more (2.97% vs 2.21%). Across the 19 metrics below, NBT Bancorp Inc. leads on 13 and Trustmark Corporation on 6.

Valuation

Metric NBTB TRMK Banks Regional median
P/E 12.40 11.35 11.98
P/S 2.79 2.35 2.34
P/B 1.36 1.22 1.19
Price to free cash flow 10.76 14.56 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.06% 8.81% 8.23%
Free cash flow yield 9.29% 6.87% 9.08%

Profitability

Metric NBTB TRMK Banks Regional median
Gross margin 78.28% 73.15% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.58% 20.96% 18.66%
Free cash flow margin 25.90% 16.11% 21.11%
Return on equity 11.42% 11.12% 10.65%
Return on assets 1.33% 1.24% 1.13%
Return on invested capital 9.65% 10.48% 8.35%

Growth

Metric NBTB TRMK Banks Regional median
Revenue growth (TTM) 14.47% (0.11%) 6.98%
EPS growth (last fiscal year) 12.12% 1.93% 18.88%
Revenue growth, 5-year CAGR 12.88% 8.41% 12.38%
Net income growth, 5-year CAGR 10.15% 6.97% 9.71%

Health

Metric NBTB TRMK Banks Regional median
Debt to equity 0.08 0.11 0.22
Current ratio 0.87 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NBTB TRMK Banks Regional median
Dividend yield 2.97% 2.21% 2.57%
Payout ratio 0.37 0.25 0.30

Size

Metric NBTB TRMK Banks Regional median
Market cap 2.63b 2.61b 913.33m

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