NBT Bancorp (NBTB) Competitors

Cullen/Frost Bankers (NYSE:CFR) and NBT Bancorp (NASDAQ:NBTB) are both mid-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their community ranking, institutional ownership, analyst recommendations, earnings, valuation, profitability, risk, dividends and media sentiment.

Does the media prefer CFR or NBTB?

In the previous week, NBT Bancorp had 4 more articles in the media than Cullen/Frost Bankers. MarketBeat recorded 8 mentions for NBT Bancorp and 4 mentions for Cullen/Frost Bankers. NBT Bancorp's average media sentiment score of 0.78 beat Cullen/Frost Bankers' score of 0.51 indicating that NBT Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Cullen/Frost Bankers	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
NBT Bancorp	4 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders and institutionals believe in CFR or NBTB?

86.9% of Cullen/Frost Bankers shares are owned by institutional investors. Comparatively, 58.5% of NBT Bancorp shares are owned by institutional investors. 3.0% of Cullen/Frost Bankers shares are owned by company insiders. Comparatively, 3.3% of NBT Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Which has better earnings and valuation, CFR or NBTB?

Cullen/Frost Bankers has higher revenue and earnings than NBT Bancorp. NBT Bancorp is trading at a lower price-to-earnings ratio than Cullen/Frost Bankers, 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
Cullen/Frost Bankers	$2.65B	3.47	$597.97M	$8.06	17.78
NBT Bancorp	$664.97M	3.40	$118.78M	$2.84	16.85

Which has more volatility & risk, CFR or NBTB?

Cullen/Frost Bankers has a beta of 1, meaning that its share price has a similar volatility profile to the S&P 500.Comparatively, NBT Bancorp has a beta of 0.53, meaning that its share price is 47% less volatile than the S&P 500.

Do analysts prefer CFR or NBTB?

Cullen/Frost Bankers presently has a consensus price target of $127.07, suggesting a potential downside of 11.34%. NBT Bancorp has a consensus price target of $48.80, suggesting a potential upside of 1.96%. Given NBT Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe NBT Bancorp is more favorable than Cullen/Frost Bankers.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cullen/Frost Bankers	3 Sell rating(s)	8 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.00
NBT Bancorp	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	2.67

Does the MarketBeat Community favor CFR or NBTB?

Cullen/Frost Bankers received 114 more outperform votes than NBT Bancorp when rated by MarketBeat users. However, 52.26% of users gave NBT Bancorp an outperform vote while only 39.25% of users gave Cullen/Frost Bankers an outperform vote.

Company	Underperform	Outperform
Cullen/Frost Bankers	Outperform Votes 345 39.25%	Underperform Votes 534 60.75%
NBT Bancorp	Outperform Votes 231 52.26%	Underperform Votes 211 47.74%

Is CFR or NBTB more profitable?

Cullen/Frost Bankers has a net margin of 18.81% compared to NBT Bancorp's net margin of 17.37%. Cullen/Frost Bankers' return on equity of 15.82% beat NBT Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Cullen/Frost Bankers	18.81%	15.82%	1.15%
NBT Bancorp	17.37%	9.36%	1.01%

Is CFR or NBTB a better dividend stock?

Cullen/Frost Bankers pays an annual dividend of $3.80 per share and has a dividend yield of 2.7%. NBT Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 2.8%. Cullen/Frost Bankers pays out 47.1% of its earnings in the form of a dividend. NBT Bancorp pays out 47.9% 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. Cullen/Frost Bankers has raised its dividend for 31 consecutive years and NBT Bancorp has raised its dividend for 12 consecutive years.

Summary

Cullen/Frost Bankers beats NBT Bancorp on 14 of the 22 factors compared between the two stocks.