NBTB Quote, Financials, Valuation and Earnings

Evans Bancorp has a net margin of 24.35% compared to NBT Bancorp's net margin of 20.42%. NBT Bancorp's return on equity of 9.53% beat Evans Bancorp's return on equity of 6.65%.

NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 28.3%. Given that NBT Bancorp has higher upside potential than Evans Bancorp, analysts believe NBT Bancorp is more attractive than Evans Bancorp.

NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.973, suggesting its less volatile than the S&P 500 by 2.735%.

NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Evans Bancorp offers a yield of 3.38% to investors and pays a quarterly dividend of $0.66 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Evans Bancorp pays out 60.97% 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 quarterly revenues are $147.9M, which are larger than Evans Bancorp quarterly revenues of $18.3M. NBT Bancorp's net income of $36M is higher than Evans Bancorp's net income of $3.7M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Evans Bancorp's PE ratio is 18.14x. 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 is 3.57x versus 3.12x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

OptimumBank Holdings has a net margin of 24.35% compared to NBT Bancorp's net margin of 38.34%. NBT Bancorp's return on equity of 9.53% beat OptimumBank Holdings's return on equity of 15.06%.

NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.50 which suggests that it could grow by 29.11%. Given that OptimumBank Holdings has higher upside potential than NBT Bancorp, analysts believe OptimumBank Holdings is more attractive than NBT Bancorp.

NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.358, suggesting its less volatile than the S&P 500 by 64.194%.

NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. NBT Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

NBT Bancorp quarterly revenues are $147.9M, which are larger than OptimumBank Holdings quarterly revenues of $10.3M. NBT Bancorp's net income of $36M is higher than OptimumBank Holdings's net income of $4M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while OptimumBank Holdings's PE ratio is 3.23x. 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 is 3.57x versus 1.07x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 24.35% compared to NBT Bancorp's net margin of 28.72%. NBT Bancorp's return on equity of 9.53% beat Park National's return on equity of 12.67%.

NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Park National has an analysts' consensus of $177.83 which suggests that it could grow by 13.85%. Given that NBT Bancorp has higher upside potential than Park National, analysts believe NBT Bancorp is more attractive than Park National.

NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.832%.

NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Park National offers a yield of 2.72% to investors and pays a quarterly dividend of $1.07 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Park National pays out 51.18% 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 quarterly revenues are $147.9M, which are larger than Park National quarterly revenues of $134.5M. NBT Bancorp's net income of $36M is lower than Park National's net income of $38.6M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Park National's PE ratio is 16.78x. 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 is 3.57x versus 4.87x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 24.35% compared to NBT Bancorp's net margin of 25.81%. NBT Bancorp's return on equity of 9.53% beat Tompkins Financial's return on equity of 10.27%.

NBT Bancorp has a consensus price target of $55.75, signalling upside risk potential of 28.87%. On the other hand Tompkins Financial has an analysts' consensus of $76.50 which suggests that it could grow by 18.7%. Given that NBT Bancorp has higher upside potential than Tompkins Financial, analysts believe NBT Bancorp is more attractive than Tompkins Financial.

NBT Bancorp has a beta of 0.477, which suggesting that the stock is 52.255% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.136%.

NBT Bancorp has a quarterly dividend of $0.34 per share corresponding to a yield of 3.1%. Tompkins Financial offers a yield of 3.82% to investors and pays a quarterly dividend of $0.62 per share. NBT Bancorp pays 44.27% of its earnings as a dividend. Tompkins Financial pays out 49.47% 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 quarterly revenues are $147.9M, which are larger than Tompkins Financial quarterly revenues of $76.2M. NBT Bancorp's net income of $36M is higher than Tompkins Financial's net income of $19.7M. Notably, NBT Bancorp's price-to-earnings ratio is 14.61x while Tompkins Financial's PE ratio is 13.02x. 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 is 3.57x versus 3.12x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.