Banks - Regional
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5 / 10Stock Comparison
EBC vs NBTB vs CNOB vs TRMK vs FIS
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Banks - Regional
Banks - Regional
Information Technology Services
EBC vs NBTB vs CNOB vs TRMK vs FIS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Banks - Regional | Banks - Regional | Information Technology Services |
| Market Cap | $4.49B | $2.35B | $1.50B | $2.64B | $24.47B |
| Revenue (TTM) | $1.06B | $867M | $606M | $1.12B | $10.89B |
| Net Income (TTM) | $88M | $169M | $80M | $224M | $382M |
| Gross Margin | 66.2% | 72.1% | 44.2% | 71.0% | 38.1% |
| Operating Margin | 9.9% | 25.3% | 18.6% | 25.5% | 17.5% |
| Forward P/E | 10.7x | 10.8x | 9.3x | 11.5x | 7.5x |
| Total Debt | $215M | $327M | $1.17B | $1.12B | $4.01B |
| Cash & Equiv. | $126M | $185M | $92M | $668M | $599M |
EBC vs NBTB vs CNOB vs TRMK vs FIS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Oct 20 | May 26 | Return |
|---|---|---|---|
| Eastern Bankshares,… (EBC) | 100 | 167.0 | +67.0% |
| NBT Bancorp Inc. (NBTB) | 100 | 164.6 | +64.6% |
| ConnectOne Bancorp,… (CNOB) | 100 | 193.8 | +93.8% |
| Trustmark Corporati… (TRMK) | 100 | 191.9 | +91.9% |
| Fidelity National I… (FIS) | 100 | 37.9 | -62.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EBC vs NBTB vs CNOB vs TRMK vs FIS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
EBC ranks third and is worth considering specifically for momentum.
- +36.2% vs FIS's -35.3%
NBTB is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 12 yrs, beta 0.89, yield 3.2%
- Lower volatility, beta 0.89, Low D/E 17.3%, current ratio 1.60x
Among these 5 stocks, CNOB doesn't own a clear edge in any measured category.
TRMK carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 34.8%, EPS growth 1.9%
- 127.7% 10Y total return vs CNOB's 109.0%
- NIM 3.4% vs CNOB's 2.5%
- 34.8% NII/revenue growth vs EBC's -1.4%
FIS is the #2 pick in this set and the best alternative if valuation efficiency and defensive is your priority.
- PEG 0.31 vs NBTB's 1.53
- Beta 0.76, yield 3.5%, current ratio 0.59x
- Lower P/E (7.5x vs 11.5x), PEG 0.31 vs 1.42
- Beta 0.76 vs EBC's 1.10
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs EBC's -1.4% | |
| Value | Lower P/E (7.5x vs 11.5x), PEG 0.31 vs 1.42 | |
| Quality / Margins | 20.0% margin vs FIS's 3.5% | |
| Stability / Safety | Beta 0.76 vs EBC's 1.10 | |
| Dividends | 3.5% yield, 1-year raise streak, vs NBTB's 3.2% | |
| Momentum (1Y) | +36.2% vs FIS's -35.3% | |
| Efficiency (ROA) | 1.2% ROA vs EBC's 0.3%, ROIC 7.1% vs 1.9% |
EBC vs NBTB vs CNOB vs TRMK vs FIS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
EBC vs NBTB vs CNOB vs TRMK vs FIS — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
TRMK leads in 2 of 6 categories
FIS leads 1 • EBC leads 0 • NBTB leads 0 • CNOB leads 0 • 3 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
TRMK leads this category, winning 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FIS is the larger business by revenue, generating $10.9B annually — 18.0x CNOB's $606M. TRMK is the more profitable business, keeping 20.0% of every revenue dollar as net income compared to FIS's 3.5%.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $1.1B | $867M | $606M | $1.1B | $10.9B |
| EBITDAEarnings before interest/tax | $157M | $241M | $122M | $323M | $3.8B |
| Net IncomeAfter-tax profit | $88M | $169M | $80M | $224M | $382M |
| Free Cash FlowCash after capex | $413M | $225M | $102M | $230M | $2.8B |
| Gross MarginGross profit ÷ Revenue | +66.2% | +72.1% | +44.2% | +71.0% | +38.1% |
| Operating MarginEBIT ÷ Revenue | +9.9% | +25.3% | +18.6% | +25.5% | +17.5% |
| Net MarginNet income ÷ Revenue | +8.4% | +19.5% | +13.3% | +20.0% | +3.5% |
| FCF MarginFCF ÷ Revenue | +39.1% | +25.2% | +16.7% | +20.7% | +26.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — | +8.2% |
| EPS Growth (YoY)Latest quarter vs prior year | +53.3% | +39.5% | +53.1% | +5.4% | +92.3% |
Valuation Metrics
FIS leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 12.1x trailing earnings, TRMK trades at a 81% valuation discount to FIS's 63.0x P/E. Adjusting for growth (PEG ratio), TRMK offers better value at 1.50x vs FIS's 2.58x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $4.5B | $2.4B | $1.5B | $2.6B | $24.5B |
| Enterprise ValueMkt cap + debt − cash | $4.6B | $2.5B | $2.6B | $3.1B | $27.9B |
| Trailing P/EPrice ÷ TTM EPS | 49.90x | 13.53x | 20.21x | 12.13x | 63.00x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.65x | 10.80x | 9.26x | 11.50x | 7.54x |
| PEG RatioP/E ÷ EPS growth rate | 1.98x | 1.92x | — | 1.50x | 2.58x |
| EV / EBITDAEnterprise value multiple | 29.14x | 10.35x | 22.90x | 9.49x | 7.66x |
| Price / SalesMarket cap ÷ Revenue | 4.25x | 2.71x | 2.48x | 2.36x | 2.29x |
| Price / BookPrice ÷ Book value/share | 1.00x | 1.21x | 0.96x | 1.28x | 1.76x |
| Price / FCFMarket cap ÷ FCF | 10.87x | 10.75x | 14.89x | 11.39x | 9.97x |
Profitability & Efficiency
Evenly matched — EBC and TRMK each lead in 3 of 9 comparable metrics.
Profitability & Efficiency
TRMK delivers a 10.8% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $2 for EBC. EBC carries lower financial leverage with a 0.05x debt-to-equity ratio, signaling a more conservative balance sheet compared to CNOB's 0.74x. On the Piotroski fundamental quality scale (0–9), NBTB scores 7/9 vs CNOB's 4/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +2.3% | +9.5% | +5.5% | +10.8% | +2.7% |
| ROA (TTM)Return on assets | +0.3% | +1.1% | +0.6% | +1.2% | +1.1% |
| ROICReturn on invested capital | +1.9% | +7.9% | +3.5% | +7.1% | +6.0% |
| ROCEReturn on capital employed | +1.0% | +2.4% | +1.5% | +3.2% | +6.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 | 4 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.05x | 0.17x | 0.74x | 0.53x | 0.29x |
| Net DebtTotal debt minus cash | $89M | $142M | $1.1B | $448M | $3.4B |
| Cash & Equiv.Liquid assets | $126M | $185M | $92M | $668M | $599M |
| Total DebtShort + long-term debt | $215M | $327M | $1.2B | $1.1B | $4.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.31x | 1.05x | 0.39x | 0.75x | 4.64x |
Total Returns (Dividends Reinvested)
TRMK leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TRMK five years ago would be worth $14,756 today (with dividends reinvested), compared to $3,685 for FIS. Over the past 12 months, EBC leads with a +36.2% total return vs FIS's -35.3%. The 3-year compound annual growth rate (CAGR) favors CNOB at 30.9% vs FIS's -2.2% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +8.4% | +9.3% | +15.2% | +15.5% | -27.3% |
| 1-Year ReturnPast 12 months | +36.2% | +9.0% | +30.6% | +32.5% | -35.3% |
| 3-Year ReturnCumulative with dividends | +97.4% | +54.1% | +124.5% | +118.5% | -6.6% |
| 5-Year ReturnCumulative with dividends | -0.4% | +29.9% | +17.9% | +47.6% | -63.2% |
| 10-Year ReturnCumulative with dividends | +82.4% | +102.2% | +109.0% | +127.7% | -13.2% |
| CAGR (3Y)Annualised 3-year return | +25.4% | +15.5% | +30.9% | +29.8% | -2.2% |
Risk & Volatility
Evenly matched — TRMK and FIS each lead in 1 of 2 comparable metrics.
Risk & Volatility
FIS is the less volatile stock with a 0.76 beta — it tends to amplify market swings less than EBC's 1.10 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TRMK currently trades 97.6% from its 52-week high vs FIS's 57.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.10x | 0.89x | 1.10x | 0.94x | 0.76x |
| 52-Week HighHighest price in past year | $22.57 | $46.92 | $30.65 | $45.99 | $82.74 |
| 52-Week LowLowest price in past year | $14.10 | $39.20 | $21.79 | $33.39 | $43.30 |
| % of 52W HighCurrent price vs 52-week peak | +88.4% | +96.1% | +97.6% | +97.6% | +57.1% |
| RSI (14)Momentum oscillator 0–100 | 51.7 | 57.3 | 66.7 | 56.0 | 43.3 |
| Avg Volume (50D)Average daily shares traded | 2.0M | 236K | 354K | 392K | 5.5M |
Analyst Outlook
Evenly matched — NBTB and FIS each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: EBC as "Buy", NBTB as "Hold", CNOB as "Buy", TRMK as "Hold", FIS as "Buy". Consensus price targets imply 42.6% upside for FIS (target: $67) vs 1.4% for TRMK (target: $46). For income investors, FIS offers the higher dividend yield at 3.45% vs CNOB's 2.12%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold | Buy | Hold | Buy |
| Price TargetConsensus 12-month target | $22.83 | $46.00 | $34.00 | $45.50 | $67.38 |
| # AnalystsCovering analysts | 7 | 10 | 11 | 9 | 37 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +3.2% | +2.1% | +2.2% | +3.5% |
| Dividend StreakConsecutive years of raises | 5 | 12 | 0 | 1 | 1 |
| Dividend / ShareAnnual DPS | $0.49 | $1.43 | $0.63 | $0.97 | $1.63 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.4% | +0.4% | +0.1% | +3.0% | 0.0% |
TRMK leads in 2 of 6 categories (Income & Cash Flow, Total Returns). FIS leads in 1 (Valuation Metrics). 3 tied.
EBC vs NBTB vs CNOB vs TRMK vs FIS: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is EBC or NBTB or CNOB or TRMK or FIS a better buy right now?
For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.
8% revenue growth year-over-year, versus -1. 4% for Eastern Bankshares, Inc. (EBC). Trustmark Corporation (TRMK) offers the better valuation at 12. 1x trailing P/E (11. 5x forward), making it the more compelling value choice. Analysts rate Eastern Bankshares, Inc. (EBC) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EBC or NBTB or CNOB or TRMK or FIS?
On trailing P/E, Trustmark Corporation (TRMK) is the cheapest at 12.
1x versus Fidelity National Information Services, Inc. at 63. 0x. On forward P/E, Fidelity National Information Services, Inc. is actually cheaper at 7. 5x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fidelity National Information Services, Inc. wins at 0. 31x versus NBT Bancorp Inc. 's 1. 53x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — EBC or NBTB or CNOB or TRMK or FIS?
Over the past 5 years, Trustmark Corporation (TRMK) delivered a total return of +47.
6%, compared to -63. 2% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: TRMK returned +127. 7% versus FIS's -13. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EBC or NBTB or CNOB or TRMK or FIS?
By beta (market sensitivity over 5 years), Fidelity National Information Services, Inc.
(FIS) is the lower-risk stock at 0. 76β versus Eastern Bankshares, Inc. 's 1. 10β — meaning EBC is approximately 45% more volatile than FIS relative to the S&P 500. On balance sheet safety, Eastern Bankshares, Inc. (EBC) carries a lower debt/equity ratio of 5% versus 74% for ConnectOne Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — EBC or NBTB or CNOB or TRMK or FIS?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus -1. 4% for Eastern Bankshares, Inc. (EBC). On earnings-per-share growth, the picture is similar: NBT Bancorp Inc. grew EPS 12. 5% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — EBC or NBTB or CNOB or TRMK or FIS?
Trustmark Corporation (TRMK) is the more profitable company, earning 20.
0% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 20. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TRMK leads at 25. 5% versus 9. 9% for EBC. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is EBC or NBTB or CNOB or TRMK or FIS more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Fidelity National Information Services, Inc. (FIS) is the more undervalued stock at a PEG of 0. 31x versus NBT Bancorp Inc. 's 1. 53x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fidelity National Information Services, Inc. (FIS) trades at 7. 5x forward P/E versus 11. 5x for Trustmark Corporation — 4. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FIS: 42. 6% to $67. 38.
08Which pays a better dividend — EBC or NBTB or CNOB or TRMK or FIS?
All stocks in this comparison pay dividends.
Fidelity National Information Services, Inc. (FIS) offers the highest yield at 3. 5%, versus 2. 1% for ConnectOne Bancorp, Inc. (CNOB).
09Is EBC or NBTB or CNOB or TRMK or FIS better for a retirement portfolio?
For long-horizon retirement investors, Fidelity National Information Services, Inc.
(FIS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 76), 3. 5% yield). Both have compounded well over 10 years (FIS: -13. 2%, EBC: +82. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between EBC and NBTB and CNOB and TRMK and FIS?
These companies operate in different sectors (EBC (Financial Services) and NBTB (Financial Services) and CNOB (Financial Services) and TRMK (Financial Services) and FIS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: EBC is a small-cap quality compounder stock; NBTB is a small-cap deep-value stock; CNOB is a small-cap quality compounder stock; TRMK is a small-cap high-growth stock; FIS is a mid-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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