COMP <GO>
NBTB vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
NBT Bancorp Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: NBTB 8
— MS 1
■ METRIC PARITY
LAST: $52.19 (-1.47%) • MKT CAP: $2.75B
balance-sheet
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBTB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBTB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 3.00% | +5.90 | NBTB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.55% | -7.25% | +15.80 | NBTB | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | NBTB | /net-margins <GO> |
| Revenue Growth (YoY) | 10.40% | 5.50% | +4.90 | NBTB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 2.21% | +0.43 | NBTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | 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 | 59.2 | 51.0 | +8.20 | NBTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | 16.5x | -1.30 | NBTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.75B | $298.41B | -$295.66B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBTB REV | MS REV | NBTB GROSS % | MS GROSS % | NBTB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $183.0M | $0 | — | — | $235.2M | -$17.89B |
| FY 2024 | $165.7M | $0 | — | — | $188.6M | $1.36B |
| FY 2023 | $144.7M | $0 | — | — | $157.5M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBTB // BETA —
MS // BETA 1.04