COMP <GO>
NBTB vs TOWN // OPERATING MARGIN
NBT Bancorp Inc. (NASDAQ) VS. TowneBank (NASDAQ) • 15-METRIC TALLY: NBTB 3
— TOWN 0
■ METRIC PARITY
LAST: $52.97 (+1.92%) • MKT CAP: $2.75B
operating-margins
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LAST: $36.45 (+1.00%) • MKT CAP: $2.72B
operating-margins
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBTB VS. TOWN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBTB | TOWN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.55% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | 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% | 0.00% | +2.64 | NBTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | — | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.2 | 54.9 | +4.30 | NBTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.75B | $2.72B | $32.5M | NBTB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBTB REV | TOWN REV | NBTB GROSS % | TOWN GROSS % | NBTB FCF | TOWN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $183.0M | — | — | — | $235.2M | — |
| FY 2024 | $165.7M | — | — | — | $188.6M | — |
| FY 2023 | $144.7M | — | — | — | $157.5M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBTB // BETA —
TOWN // BETA —