NBT Bancorp (NBTB) Competitors

Pinnacle Financial Partners (NASDAQ:PNFP) and NBT Bancorp (NASDAQ:NBTB) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, media sentiment, risk, dividends, analyst recommendations, earnings, profitability and community ranking.

Which has preferable earnings and valuation, PNFP or NBTB?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pinnacle Financial Partners	$1.59B	4.64	$475.06M	$6.18	15.39
NBT Bancorp	$574.44M	3.27	$140.64M	$2.96	13.43

Is PNFP or NBTB more profitable?

NBT Bancorp has a net margin of 17.84% compared to Pinnacle Financial Partners' net margin of 15.48%. NBT Bancorp's return on equity of 9.39% beat Pinnacle Financial Partners' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pinnacle Financial Partners	15.48%	9.04%	1.08%
NBT Bancorp	17.84%	9.39%	1.02%

Does the media favor PNFP or NBTB?

In the previous week, Pinnacle Financial Partners had 45 more articles in the media than NBT Bancorp. MarketBeat recorded 51 mentions for Pinnacle Financial Partners and 6 mentions for NBT Bancorp. NBT Bancorp's average media sentiment score of 1.28 beat Pinnacle Financial Partners' score of 0.88 indicating that NBT Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pinnacle Financial Partners	25 Very Positive mention(s)	6 Positive mention(s)	12 Neutral mention(s)	2 Negative mention(s)	1 Very Negative mention(s)	Positive
NBT Bancorp	6 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, PNFP or NBTB?

Pinnacle Financial Partners has a beta of 0.94, suggesting that its share price is 6% less volatile than the S&P 500. Comparatively, NBT Bancorp has a beta of 0.53, suggesting that its share price is 47% less volatile than the S&P 500.

Does the MarketBeat Community prefer PNFP or NBTB?

Pinnacle Financial Partners received 223 more outperform votes than NBT Bancorp when rated by MarketBeat users. Likewise, 60.26% of users gave Pinnacle Financial Partners an outperform vote while only 52.25% of users gave NBT Bancorp an outperform vote.

Company	Underperform	Outperform
Pinnacle Financial Partners	Outperform Votes 455 60.26%	Underperform Votes 300 39.74%
NBT Bancorp	Outperform Votes 232 52.25%	Underperform Votes 212 47.75%

Is PNFP or NBTB a better dividend stock?

Pinnacle Financial Partners pays an annual dividend of $0.96 per share and has a dividend yield of 1.0%. NBT Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 3.4%. Pinnacle Financial Partners pays out 15.5% of its earnings in the form of a dividend. NBT Bancorp pays out 45.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. NBT Bancorp has increased its dividend for 12 consecutive years. NBT Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts prefer PNFP or NBTB?

Pinnacle Financial Partners presently has a consensus price target of $119.50, suggesting a potential upside of 25.64%. NBT Bancorp has a consensus price target of $54.50, suggesting a potential upside of 37.07%. Given NBT Bancorp's higher possible upside, analysts plainly believe NBT Bancorp is more favorable than Pinnacle Financial Partners.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pinnacle Financial Partners	0 Sell rating(s)	4 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.60
NBT Bancorp	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.60

Do institutionals and insiders have more ownership in PNFP or NBTB?

87.4% of Pinnacle Financial Partners shares are owned by institutional investors. Comparatively, 58.5% of NBT Bancorp shares are owned by institutional investors. 1.5% of Pinnacle Financial Partners shares are owned by insiders. Comparatively, 3.3% of NBT Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Pinnacle Financial Partners beats NBT Bancorp on 13 of the 21 factors compared between the two stocks.