NBTB Quote, Financials, Valuation and Earnings

Citizens & Northern Corp. has a net margin of 23.3% compared to NBT Bancorp, Inc.'s net margin of 8.97%. NBT Bancorp, Inc.'s return on equity of 9.79% beat Citizens & Northern Corp.'s return on equity of 7.87%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 6.29%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $23.50 which suggests that it could fall by -1.43%. Given that NBT Bancorp, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe NBT Bancorp, Inc. is more attractive than Citizens & Northern Corp..

NBT Bancorp, Inc. has a beta of 0.508, which suggesting that the stock is 49.191% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.553, suggesting its less volatile than the S&P 500 by 44.651%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.11%. Citizens & Northern Corp. offers a yield of 4.7% to investors and pays a quarterly dividend of $0.28 per share. NBT Bancorp, Inc. pays 42.64% of its earnings as a dividend. Citizens & Northern Corp. pays out 76.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

NBT Bancorp, Inc. quarterly revenues are $238.2M, which are larger than Citizens & Northern Corp. quarterly revenues of $49.8M. NBT Bancorp, Inc.'s net income of $55.5M is higher than Citizens & Northern Corp.'s net income of $4.5M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 13.78x while Citizens & Northern Corp.'s PE ratio is 16.16x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp, Inc. is 2.56x versus 2.23x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

First Interstate BancSystem, Inc. has a net margin of 23.3% compared to NBT Bancorp, Inc.'s net margin of 34.76%. NBT Bancorp, Inc.'s return on equity of 9.79% beat First Interstate BancSystem, Inc.'s return on equity of 8.89%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 6.29%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $38.00 which suggests that it could grow by 1.5%. Given that NBT Bancorp, Inc. has higher upside potential than First Interstate BancSystem, Inc., analysts believe NBT Bancorp, Inc. is more attractive than First Interstate BancSystem, Inc..

NBT Bancorp, Inc. has a beta of 0.508, which suggesting that the stock is 49.191% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.799, suggesting its less volatile than the S&P 500 by 20.053%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.11%. First Interstate BancSystem, Inc. offers a yield of 5.02% to investors and pays a quarterly dividend of $0.47 per share. NBT Bancorp, Inc. pays 42.64% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 63.95% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

NBT Bancorp, Inc. quarterly revenues are $238.2M, which are smaller than First Interstate BancSystem, Inc. quarterly revenues of $313M. NBT Bancorp, Inc.'s net income of $55.5M is lower than First Interstate BancSystem, Inc.'s net income of $108.8M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 13.78x while First Interstate BancSystem, Inc.'s PE ratio is 12.71x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp, Inc. is 2.56x versus 2.89x for First Interstate BancSystem, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

Farmers National Banc Corp. has a net margin of 23.3% compared to NBT Bancorp, Inc.'s net margin of 20.47%. NBT Bancorp, Inc.'s return on equity of 9.79% beat Farmers National Banc Corp.'s return on equity of 12.27%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 6.29%. On the other hand Farmers National Banc Corp. has an analysts' consensus of $14.50 which suggests that it could grow by 6.62%. Given that Farmers National Banc Corp. has higher upside potential than NBT Bancorp, Inc., analysts believe Farmers National Banc Corp. is more attractive than NBT Bancorp, Inc..

NBT Bancorp, Inc. has a beta of 0.508, which suggesting that the stock is 49.191% less volatile than S&P 500. In comparison Farmers National Banc Corp. has a beta of 0.857, suggesting its less volatile than the S&P 500 by 14.332%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.11%. Farmers National Banc Corp. offers a yield of 6.25% to investors and pays a quarterly dividend of $0.17 per share. NBT Bancorp, Inc. pays 42.64% of its earnings as a dividend. Farmers National Banc Corp. pays out 46.9% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

NBT Bancorp, Inc. quarterly revenues are $238.2M, which are larger than Farmers National Banc Corp. quarterly revenues of $71.5M. NBT Bancorp, Inc.'s net income of $55.5M is higher than Farmers National Banc Corp.'s net income of $14.6M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 13.78x while Farmers National Banc Corp.'s PE ratio is 9.37x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp, Inc. is 2.56x versus 1.83x for Farmers National Banc Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Peoples Bancorp, Inc. (Ohio) has a net margin of 23.3% compared to NBT Bancorp, Inc.'s net margin of 20.09%. NBT Bancorp, Inc.'s return on equity of 9.79% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 9.13%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 6.29%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $35.14 which suggests that it could grow by 2.36%. Given that NBT Bancorp, Inc. has higher upside potential than Peoples Bancorp, Inc. (Ohio), analysts believe NBT Bancorp, Inc. is more attractive than Peoples Bancorp, Inc. (Ohio).

NBT Bancorp, Inc. has a beta of 0.508, which suggesting that the stock is 49.191% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.683, suggesting its less volatile than the S&P 500 by 31.665%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.11%. Peoples Bancorp, Inc. (Ohio) offers a yield of 4.82% to investors and pays a quarterly dividend of $0.41 per share. NBT Bancorp, Inc. pays 42.64% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 54.52% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

NBT Bancorp, Inc. quarterly revenues are $238.2M, which are larger than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.8M. NBT Bancorp, Inc.'s net income of $55.5M is higher than Peoples Bancorp, Inc. (Ohio)'s net income of $31.5M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 13.78x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 11.37x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for NBT Bancorp, Inc. is 2.56x versus 1.95x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.