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NBTB vs SLDE

NBTB
NBT Bancorp Inc.
BULLISH
Price
$45.19
Market Cap
$2.36B
Sector
Financial Services
AI Confidence
85%
SLDE
Slide Insurance Holdings, Inc.
BULLISH
Price
$19.63
Market Cap
$2.44B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NBTB
13.57
SLDE
5.84
Forward P/E
NBTB
9.85
SLDE
5.81
P/B Ratio
NBTB
1.24
SLDE
2.18
P/S Ratio
NBTB
3.55
SLDE
2.11
EV/EBITDA
NBTB
--
SLDE
2.12

Profitability

Gross Margin
NBTB
0.0%
SLDE
67.57%
Operating Margin
NBTB
41.87%
SLDE
64.24%
Profit Margin
NBTB
25.46%
SLDE
38.41%
ROE
NBTB
9.89%
SLDE
57.42%
ROA
NBTB
1.14%
SLDE
15.28%

Growth

Revenue Growth
NBTB
24.0%
SLDE
45.5%
Earnings Growth
NBTB
39.5%
SLDE
103.9%

Financial Health

Debt/Equity
NBTB
--
SLDE
0.04
Current Ratio
NBTB
--
SLDE
1.7
Quick Ratio
NBTB
--
SLDE
1.03

Dividends

Dividend Yield
NBTB
3.2%
SLDE
--
Payout Ratio
NBTB
42.64%
SLDE
0.0%

AI Verdict

NBTB BULLISH

NBTB exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and significant valuation upside, trading well below its Graham Number ($52.17) and Intrinsic Value ($98.23). The company demonstrates exceptional growth momentum with 39.5% YoY earnings growth and a stellar 25-quarter track record of meeting or beating estimates. While technical trends are currently bearish (10/100) and insider activity is slightly negative, the fundamental value and growth trajectory strongly outweigh these short-term signals.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings growth (39.5% YoY) and revenue growth (24% YoY)
Consistent earnings beat record over 25 consecutive quarters
Risks
Severely bearish technical trend (10/100) suggesting short-term price pressure
Net bearish insider sentiment with recent officer sales
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health
SLDE BULLISH

SLDE presents a compelling value proposition with a Piotroski F-Score of 4/9 (Stable) and a current price ($19.63) trading significantly below both its Graham Number ($26.06) and growth-based Intrinsic Value ($99.12). The company exhibits explosive earnings growth (103.9% YoY) and exceptional profitability metrics, including an ROE of 57.42%. However, this fundamental strength is sharply contrasted by aggressive insider selling and a bearish technical trend. The valuation gap is too wide to ignore, but the insider activity suggests a potential disconnect between public data and internal sentiment.

Strengths
Extremely low P/E ratio (5.84) relative to the financial services sector average (43.84)
Exceptional profitability with an ROE of 57.42% and Operating Margin of 64.24%
Explosive growth trajectory with YoY earnings growth of 103.90%
Risks
Heavy insider liquidation with $29.32M in sells and zero buys in the last 6 months
Bearish technical trend (0/100) despite recent short-term price gains
Piotroski F-Score of 4/9 indicates only stable, not strong, financial health

Compare Another Pair

NBTB vs SLDE: Head-to-Head Comparison

This page compares NBT Bancorp Inc. (NBTB) and Slide Insurance Holdings, Inc. (SLDE) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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