COMP <GO>
NBTB vs BAC // DIVIDEND YIELD & FCF PAYOUT SAFETY
NBT Bancorp Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: NBTB 6
— BAC 3
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: NBTB
LAST: $52.97 (+1.92%) • MKT CAP: $2.75B
dividend-safety
2.64%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
dividend-safety
0.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBTB VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBTB | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 2.50% | +6.40 | NBTB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.55% | 2.10% | +6.45 | NBTB | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | NBTB | /net-margins <GO> |
| Revenue Growth (YoY) | 10.40% | 6.80% | +3.60 | NBTB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.64% | 0.00% | +2.64 | NBTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.2 | 38.3 | +20.90 | NBTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | 10.9x | +4.30 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.75B | $357.61B | -$354.86B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBTB REV | BAC REV | NBTB GROSS % | BAC GROSS % | NBTB FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $183.0M | $113.10B | — | — | $235.2M | $7.52B |
| FY 2024 | $165.7M | $105.86B | — | — | $188.6M | -$13.57B |
| FY 2023 | $144.7M | $102.77B | — | — | $157.5M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBTB // BETA —
BAC // BETA 0.90