NBT Bancorp Inc (NBTB)vsU.S. Bancorp (USB)
NBTB
NBT Bancorp Inc
$52.83
-0.26%
FINANCIAL SERVICES · Cap: $2.75B
USB
U.S. Bancorp
$59.75
-0.50%
FINANCIAL SERVICES · Cap: $92.63B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3753% more annual revenue ($27.89B vs $723.81M). USB leads profitability with a 30.0% profit margin vs 29.7%. USB appears more attractively valued with a PEG of 1.44. USB earns a higher WallStSmart Score of 75/100 (B).
NBTB
Buy55
out of 100
Grade: C-
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
4.5% revenue growth
Operating margin of 0.0%
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 29.7%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : NBTB
The primary concerns for NBTB are Revenue Growth, Operating Margin, PEG Ratio.
Bear Case : USB
The primary concerns for USB are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NBTB profiles as a value stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 55/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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