COMP <GO>
NBTB vs BOH // OPERATING MARGIN
NBT Bancorp Inc. (NASDAQ) VS. Bank of Hawaii Corporation (NYSE) • 15-METRIC TALLY: NBTB 4
— BOH 4
■ METRIC PARITY
LAST: $52.97 (+1.92%) • MKT CAP: $2.75B
operating-margins
—
LAST: $70.61 (+1.71%) • MKT CAP: $2.77B
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBTB VS. BOH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBTB | BOH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 11.10% | -2.20 | BOH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.55% | 6.66% | +1.89 | NBTB | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 10.40% | -0.10% | +10.50 | NBTB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 4.08% | -1.44 | BOH | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | NBTB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 49.6 | +4.72 | NBTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | 12.5x | +2.70 | BOH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.75B | $2.77B | -$16.2M | BOH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBTB REV | BOH REV | NBTB GROSS % | BOH GROSS % | NBTB FCF | BOH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $183.0M | $121.9M | — | — | $235.2M | $184.3M |
| FY 2024 | $165.7M | $122.1M | — | — | $188.6M | $161.3M |
| FY 2023 | $144.7M | $116.0M | — | — | $157.5M | $138.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBTB // BETA —
BOH // BETA —