NBTB Quote, Financials, Valuation and Earnings

Citizens & Northern Corp. has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 15.87%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Citizens & Northern Corp.'s return on equity of 9.51%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 12.85%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 9.07%. 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 0.513, which suggesting that the stock is 48.72% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Citizens & Northern Corp. offers a yield of 5.43% to investors and pays a quarterly dividend of $0.28 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% 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 $241.7M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. NBT Bancorp, Inc.'s net income of $54.5M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.19x while Citizens & Northern Corp.'s PE ratio is 11.79x. 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 2.44x versus 1.97x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Eagle Bancorp, Inc. (Maryland) has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of -44.32%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Eagle Bancorp, Inc. (Maryland)'s return on equity of -10.02%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 12.85%. On the other hand Eagle Bancorp, Inc. (Maryland) has an analysts' consensus of $21.88 which suggests that it could grow by 3.28%. Given that NBT Bancorp, Inc. has higher upside potential than Eagle Bancorp, Inc. (Maryland), analysts believe NBT Bancorp, Inc. is more attractive than Eagle Bancorp, Inc. (Maryland).

NBT Bancorp, Inc. has a beta of 0.513, which suggesting that the stock is 48.72% less volatile than S&P 500. In comparison Eagle Bancorp, Inc. (Maryland) has a beta of 1.063, suggesting its more volatile than the S&P 500 by 6.331%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Eagle Bancorp, Inc. (Maryland) offers a yield of 2.38% to investors and pays a quarterly dividend of $0.01 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Eagle Bancorp, Inc. (Maryland) pays out 96.99% 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 $241.7M, which are larger than Eagle Bancorp, Inc. (Maryland) quarterly revenues of $152.3M. NBT Bancorp, Inc.'s net income of $54.5M is higher than Eagle Bancorp, Inc. (Maryland)'s net income of -$67.5M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.19x while Eagle Bancorp, Inc. (Maryland)'s PE ratio is 7.56x. 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 2.44x versus 1.00x for Eagle Bancorp, Inc. (Maryland). Usually stocks with elevated PS ratios are considered overvalued.

TowneBank has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 13.69%. NBT Bancorp, Inc.'s return on equity of 9.05% beat TowneBank's return on equity of 7.6%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 12.85%. On the other hand TowneBank has an analysts' consensus of $40.50 which suggests that it could grow by 20.21%. Given that TowneBank has higher upside potential than NBT Bancorp, Inc., analysts believe TowneBank is more attractive than NBT Bancorp, Inc..

NBT Bancorp, Inc. has a beta of 0.513, which suggesting that the stock is 48.72% less volatile than S&P 500. In comparison TowneBank has a beta of 0.788, suggesting its less volatile than the S&P 500 by 21.193%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. TowneBank offers a yield of 3.15% to investors and pays a quarterly dividend of $0.27 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. TowneBank pays out 46.47% 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 $241.7M, which are smaller than TowneBank quarterly revenues of $287.1M. NBT Bancorp, Inc.'s net income of $54.5M is higher than TowneBank's net income of $39.3M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.19x while TowneBank's PE ratio is 15.01x. 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 2.44x versus 2.36x for TowneBank. Usually stocks with elevated PS ratios are considered overvalued.

Westamerica Bancorporation has a net margin of 22.54% compared to NBT Bancorp, Inc.'s net margin of 41.94%. NBT Bancorp, Inc.'s return on equity of 9.05% beat Westamerica Bancorporation's return on equity of 13.12%.

NBT Bancorp, Inc. has a consensus price target of $48.20, signalling upside risk potential of 12.85%. On the other hand Westamerica Bancorporation has an analysts' consensus of $53.00 which suggests that it could grow by 7.9%. Given that NBT Bancorp, Inc. has higher upside potential than Westamerica Bancorporation, analysts believe NBT Bancorp, Inc. is more attractive than Westamerica Bancorporation.

NBT Bancorp, Inc. has a beta of 0.513, which suggesting that the stock is 48.72% less volatile than S&P 500. In comparison Westamerica Bancorporation has a beta of 0.613, suggesting its less volatile than the S&P 500 by 38.737%.

NBT Bancorp, Inc. has a quarterly dividend of $0.37 per share corresponding to a yield of 3.33%. Westamerica Bancorporation offers a yield of 3.71% to investors and pays a quarterly dividend of $0.46 per share. NBT Bancorp, Inc. pays 44.52% of its earnings as a dividend. Westamerica Bancorporation pays out 33.88% 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 $241.7M, which are larger than Westamerica Bancorporation quarterly revenues of $67.4M. NBT Bancorp, Inc.'s net income of $54.5M is higher than Westamerica Bancorporation's net income of $28.3M. Notably, NBT Bancorp, Inc.'s price-to-earnings ratio is 14.19x while Westamerica Bancorporation's PE ratio is 10.70x. 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 2.44x versus 4.62x for Westamerica Bancorporation. Usually stocks with elevated PS ratios are considered overvalued.