NBT Bancorp Inc (NBTB)vsWells Fargo & Company (WFC)
NBTB
NBT Bancorp Inc
$45.59
+1.15%
FINANCIAL SERVICES · Cap: $2.35B
WFC
Wells Fargo & Company
$75.64
-4.45%
FINANCIAL SERVICES · Cap: $242.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 11548% more annual revenue ($81.14B vs $696.57M). WFC leads profitability with a 26.7% profit margin vs 26.4%. WFC appears more attractively valued with a PEG of 1.43. WFC earns a higher WallStSmart Score of 74/100 (B).
NBTB
Strong Buy74
out of 100
Grade: B
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.1%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 39.1%. Revenue growth of 21.6% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.43 suggests the stock is reasonably priced for its growth.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
NBTB profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.96 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
NBTB scores higher overall (74/100 vs 74/100), backed by strong 26.4% margins and 21.6% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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