COMP <GO>
FBNC vs NBTB // EV/EBITDA & P/E VALUATION
First Bancorp (NASDAQ) VS. NBT Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: FBNC 1
— NBTB 7
■ METRIC PARITY
LAST: $64.23 (+1.37%) • MKT CAP: $2.66B
valuation
—
LAST: $52.97 (+1.92%) • MKT CAP: $2.75B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FBNC VS. NBTB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FBNC | NBTB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.70% | 8.90% | -2.20 | NBTB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.48% | 8.55% | -1.07 | NBTB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -3.60% | 10.40% | -14.00 | NBTB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.40% | 2.64% | -1.24 | NBTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | NBTB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.9 | 54.3 | +0.63 | FBNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.2x | 15.2x | +7.00 | NBTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.66B | $2.75B | -$93.3M | NBTB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FBNC REV | NBTB REV | FBNC GROSS % | NBTB GROSS % | FBNC FCF | NBTB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $67.6M | $183.0M | — | — | $198.9M | $235.2M |
| FY 2024 | $70.1M | $165.7M | — | — | $172.1M | $188.6M |
| FY 2023 | $32.8M | $144.7M | — | — | $131.4M | $157.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FBNC // BETA —
NBTB // BETA —