COMP <GO>
NBTB vs FBK // EV/EBITDA & P/E VALUATION
NBT Bancorp Inc. (NASDAQ) VS. FB Financial Corporation (NYSE) • 15-METRIC TALLY: NBTB 7
— FBK 0
■ METRIC PARITY
LAST: $52.97 (+1.92%) • MKT CAP: $2.75B
valuation
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LAST: $53.69 (+1.42%) • MKT CAP: $2.68B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBTB VS. FBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBTB | FBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 6.30% | +2.60 | NBTB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.55% | 5.48% | +3.07 | NBTB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 10.40% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 1.41% | +1.23 | NBTB | /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 | 53.5 | +0.83 | NBTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | 20.4x | -5.20 | NBTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.75B | $2.68B | $69.0M | NBTB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBTB REV | FBK REV | NBTB GROSS % | FBK GROSS % | NBTB FCF | FBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $183.0M | $0 | — | — | $235.2M | $147.0M |
| FY 2024 | $165.7M | $0 | — | — | $188.6M | $132.3M |
| FY 2023 | $144.7M | $0 | — | — | $157.5M | $211.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBTB // BETA —
FBK // BETA —