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NBTB vs V

NBTB
NBT Bancorp Inc.
BULLISH
Price
$45.19
Market Cap
$2.36B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NBTB
13.57
V
28.35
Forward P/E
NBTB
9.85
V
20.79
P/B Ratio
NBTB
1.24
V
15.09
P/S Ratio
NBTB
3.55
V
14.08
EV/EBITDA
NBTB
--
V
20.06

Profitability

Gross Margin
NBTB
0.0%
V
97.78%
Operating Margin
NBTB
41.87%
V
68.3%
Profit Margin
NBTB
25.46%
V
50.23%
ROE
NBTB
9.89%
V
53.95%
ROA
NBTB
1.14%
V
18.36%

Growth

Revenue Growth
NBTB
24.0%
V
14.6%
Earnings Growth
NBTB
39.5%
V
17.4%

Financial Health

Debt/Equity
NBTB
--
V
0.55
Current Ratio
NBTB
--
V
1.11
Quick Ratio
NBTB
--
V
0.72

Dividends

Dividend Yield
NBTB
3.2%
V
0.89%
Payout Ratio
NBTB
42.64%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NBTB vs V: Head-to-Head Comparison

This page compares NBT Bancorp Inc. (NBTB) and Visa Inc. (V) 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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