Reviewing NBT Bancorp (NASDAQ:NBTB) and FirstSun Capital Bancorp (NASDAQ:FSUN)

FirstSun Capital Bancorp (NASDAQ:FSUN) and NBT Bancorp (NASDAQ:NBTB) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, dividends, earnings, risk, valuation, analyst recommendations and institutional ownership.

Volatility & Risk

FirstSun Capital Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500. Comparatively, NBT Bancorp has a beta of 0.49, meaning that its stock price is 51% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for FirstSun Capital Bancorp and NBT Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstSun Capital Bancorp	0	2	3	1	2.83
NBT Bancorp	0	5	3	0	2.38

FirstSun Capital Bancorp presently has a consensus price target of $45.25, indicating a potential upside of 15.46%. NBT Bancorp has a consensus price target of $54.10, indicating a potential upside of 6.77%. Given FirstSun Capital Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe FirstSun Capital Bancorp is more favorable than NBT Bancorp.

Earnings & Valuation

This table compares FirstSun Capital Bancorp and NBT Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstSun Capital Bancorp	$569.65 million	3.20	$97.94 million	$1.97	19.89
NBT Bancorp	$906.48 million	2.90	$169.24 million	$4.09	12.39

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

Institutional and Insider Ownership

58.5% of NBT Bancorp shares are owned by institutional investors. 10.5% of FirstSun Capital Bancorp shares are owned by company insiders. Comparatively, 3.0% of NBT Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares FirstSun Capital Bancorp and NBT Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FirstSun Capital Bancorp	6.60%	7.16%	0.92%
NBT Bancorp	22.58%	11.27%	1.33%

Summary

NBT Bancorp beats FirstSun Capital Bancorp on 8 of the 14 factors compared between the two stocks.

About FirstSun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.

About NBT Bancorp

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.