Comparison of FNCB Bancorp (NASDAQ:FNCB) and NBT Bancorp (NASDAQ:NBTB)



FNCB Bancorp (NASDAQ:FNCB – Get Rating) and NBT Bancorp (NASDAQ:NBTB – Get Rating) are both small cap finance companies, but which is the better company? We’ll compare the two companies based on institutional ownership strength, analyst recommendations, earnings, valuation, profitability, risk, and dividends.

Benefits and evaluation

This table compares the revenue, earnings per share, and valuation of FNCB Bancorp and NBT Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Bancorp ETFs $59.97 million 2.68 $21.37 million $0.99 8.12
NBT Bancorp $497.67 million 3.26 $154.88 million $3.54 10.71

NBT Bancorp has higher revenue and profit than FNCB Bancorp. FNCB Bancorp trades at a lower price-to-earnings ratio than NBT Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Notes

This is a breakdown of the current ratings and price targets for FNCB Bancorp and NBT Bancorp, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Bancorp ETFs 0 0 0 0 N / A
NBT Bancorp 0 1 1 0 2.50

NBT Bancorp has a consensus price target of $40.00, suggesting a potential upside of 5.46%. Given the higher possible upside of NBT Bancorp, analysts clearly believe that NBT Bancorp is more favorable than FNCB Bancorp.

Dividends

Bancorp ETF pays an annual dividend of $0.30 per share and has a dividend yield of 3.7%. NBT Bancorp pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. FNCB Bancorp pays out 30.3% of its earnings as a dividend. NBT Bancorp pays 31.6% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. FNCB Bancorp has increased its dividend for 2 consecutive years and NBT Bancorp has increased its dividend for 1 consecutive year. Bancorp ETF is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.

Volatility and risk

ETF Bancorp has a beta of 0.4, which means its stock price is 60% less volatile than the S&P 500. In comparison, NBT Bancorp has a beta of 0.58, which means its stock price is 42 % less volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity and return on assets of ETF Bancorp and NBT Bancorp.

Net margins Return on equity return on assets
Bancorp ETFs 33.19% 12.30% 1.23%
NBT Bancorp 30.64% 12.66% 1.30%

Insider and Institutional Ownership

13.6% of the shares of FNCB Bancorp are held by institutional investors. By comparison, 55.7% of NBT Bancorp’s shares are held by institutional investors. 17.4% of FNCB Bancorp shares are held by insiders of the company. By comparison, 3.6% of NBT Bancorp’s shares are held by insiders of the company. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock will outperform the market over the long term.

Summary

NBT Bancorp beats FNCB Bancorp on 11 out of 16 factors compared between the two stocks.

About Bancorp ETFs (Get an assessment)

FNCB Bancorp, Inc. operates as a bank holding company for FNCB Bank which provides retail and commercial banking services to individuals, businesses, local governments and municipalities in northeast Pennsylvania. The Company offers checking, savings, money market and certificate of deposit products. It also offers residential mortgages, home equity term loans and lines of credit; construction, land acquisition and development loans; commercial real estate loans; commercial and industrial loans; consumer loans, such as secured and unsecured installment loans, auto financing, lines of credit and loans with overdraft protection; state and political subdivision loans and leases; and purchased loans. Additionally, the company offers debit cards; mobile and telephone banking, check imaging and electronic statement services; deposit, merchant, cash and remote purchasing card services; and wealth management services. As of January 28, 2022, it operated 17 community offices located in Lackawanna, Luzerne and Wayne counties. The company was formerly known as First National Community Bancorp, Inc. and changed its name to FNCB Bancorp, Inc. in October 2016. FNCB Bancorp, Inc. was founded in 1910 and is headquartered in Dunmore, Utah. Pennsylvania.

About NBT Bancorp (Get an assessment)

NBT Bancorp LogoNBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking and wealth management services. Its deposit products include demand deposits, savings, negotiable withdrawal orders, money market deposits and certificates of deposit accounts. The Company’s loan portfolio includes commercial and industrial, commercial real estate, agricultural and commercial construction loans; indirect and direct consumers, home equity, mortgages, business bank loans and commercial loans; and residential real estate loans. It also provides fiduciary and investment services; financial planning and life insurance services; and consulting and record keeping services relating to pension plans. In addition, the Company offers insurance products covering property and personal accident, commercial liability and commercial insurance, as well as other products and services through online, mobile and 24-hour telephone channels. 24 that allow customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans and access various other products and services. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.



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