COMP <GO>
NBTB vs BANC // EV/EBITDA & P/E VALUATION
NBT Bancorp Inc. (NASDAQ) VS. Banc of California Inc. (NYSE) • 15-METRIC TALLY: NBTB 4
— BANC 3
■ METRIC PARITY
LAST: $52.97 (+1.92%) • MKT CAP: $2.75B
valuation
—
LAST: $18.59 (+0.60%) • MKT CAP: $2.94B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBTB VS. BANC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBTB | BANC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 6.50% | +2.40 | NBTB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.55% | 8.00% | +0.55 | 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) | 10.40% | 4.20% | +6.20 | NBTB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 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 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 57.3 | -3.05 | BANC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | 11.9x | +3.30 | BANC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.75B | $2.94B | -$184.0M | BANC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBTB REV | BANC REV | NBTB GROSS % | BANC GROSS % | NBTB FCF | BANC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $183.0M | $38.8M | — | — | $235.2M | $234.8M |
| FY 2024 | $165.7M | $37.2M | — | — | $188.6M | $64.3M |
| FY 2023 | $144.7M | $33.8M | — | — | $157.5M | $135.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBTB // BETA —
BANC // BETA —