NBT Bancorp vs OceanFirst Financial
NBTB and OCFC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NBTB and OCFC compare
NBT Bancorp is the larger company, worth 1.6 times as much as OceanFirst Financial ($2.8B against $1.8B).
On earnings, NBT Bancorp is cheaper: it trades at 12.8× trailing earnings, against 25.3× for OceanFirst Financial.
OceanFirst Financial grew revenue faster over the last twelve months (32.5% versus 13.8% for NBT Bancorp).
NBT Bancorp keeps more of each dollar of sales as profit, with a net margin of 29.0% compared with 9.0% at OceanFirst Financial.
Both pay dividends: NBT Bancorp yields 2.9% and OceanFirst Financial 4.4%.
NBT Bancorp scores higher on the StockData Score (12 against 11 for OceanFirst Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NBTB | OCFC |
|---|---|---|
| Size and price | ||
| Market cap | $2.8B | $1.8B |
| Share price | $52.95 | $18.24 |
| Change, 1 year | 27.6% | 1.3% |
| Change, 5 years | 42.8% | −15.7% |
| Beta (5Y) | 0.56 | 0.80 |
| Employees | 2,303 | 898 |
| StockData Score | ||
| Total score | 12 (better) | 11 |
| Valuation score | 1 | 1 |
| Growth score | 2 (better) | 1 |
| Performance score | 2 (better) | 1 |
| Health score | 3 | 3 |
| Dividend score | 4 | 5 (better) |
| Valuation | ||
| P/E | 12.8× (better) | 25.3× |
| P/S | 3.7× | 3.4× (better) |
| P/B | 1.4× | – |
| P/FCF | 11.2× | 8.1× (better) |
| FCF yield | 8.9% | 12.4% (better) |
| Fair value | $50.31 | – |
| Margin of safety | −5.2% | – |
| Growth | ||
| Revenue growth (TTM) | 13.8% | 32.5% (better) |
| Revenue growth, 5Y average | 5.4% (better) | 0.92% |
| Net income growth (TTM) | 45.4% (better) | −41.1% |
| EPS growth (TTM) | 38.8% (better) | −44.2% |
| EPS growth, 5Y average | 7.0% (better) | 2.8% |
| Profitability | ||
| Net margin | 29.0% (better) | 9.0% |
| FCF margin | 32.7% | 41.6% (better) |
| Return on equity | 11.5% (better) | 2.8% |
| Financial health | ||
| Debt / equity | 0.21 | – |
| Altman Z-score | 0.27 (better) | 0.11 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.9% | 4.4% (better) |
| Payout ratio | 36.1% | 115% |
| Years of dividend growth | 8 (better) | 0 |
| Dividend growth, 5Y average | 5.6% (better) | 3.3% |
| Buyback yield | 0.92% (better) | 0.47% |
| Shareholder yield | 3.8% | 4.9% (better) |
| Ownership | ||
| Held by institutions | 67.7% | 83.2% |
| Held by insiders | 2.8% | 12.1% |
| Insider net buying, 12 months | −$467K (better) | −$6.4M |
| Short interest, % of float | 5.3% | 6.4% |
Go deeper
- NBTB stock overview
- NBTB income statement
- NBTB valuation and score
- OCFC stock overview
- OCFC income statement
- OCFC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.