FVCB
FVCBankcorp, Inc.
Banks - Regional
Market Cap$302M
5Y Perf.+95.0%
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NBTB
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Stock Comparison
FVCB vs NBTB
Revenue, margins, valuation, and 5-year total return — side by side.
NBTB
NBT Bancorp Inc.
Banks - Regional
Market Cap$2.52B
5Y Perf.+56.6%
FVCB vs NBTB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  FVCB |  NBTB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $302M | $2.52B |
| Revenue (TTM) | $120M | $902M |
| Net Income (TTM) | $22M | $169M |
| Gross Margin | 53.1% | 73.6% |
| Operating Margin | 23.6% | 24.3% |
| Forward P/E | 11.4x | 11.5x |
| Total Debt | $25M | $327M |
| Cash & Equiv. | $6M | $185M |
FVCB vs NBTB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FVCB
NBTB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| FVCBankcorp, Inc. (FVCB) | 100 | 195.0 | +95.0% |
| NBT Bancorp Inc. (NBTB) | 100 | 156.6 | +56.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FVCB vs NBTB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FVCB leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. NBT Bancorp Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇FVCB emerged as the overall leader. Track its performance:
FVCB
FVCBankcorp, Inc.
The Banking Pick
FVCB carries the broadest edge in this set and is the clearest fit for sleep-well-at-night.
- Lower volatility, beta 0.60, Low D/E 10.0%, current ratio 0.14x
- Lower P/E (11.4x vs 11.5x)
- Efficiency ratio 0.3% vs NBTB's 0.5% (lower = leaner)
Best for: sleep-well-at-night
NBTB
NBT Bancorp Inc.
The Banking Pick
NBTB is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 13 yrs, beta 0.76, yield 3.0%
- Rev growth 10.4%, EPS growth 12.5%
- 108.5% 10Y total return vs FVCB's 84.8%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  NBTB | 10.4% NII/revenue growth vs FVCB's 9.4% |
| Value |  FVCB | Lower P/E (11.4x vs 11.5x) |
| Quality / Margins | FVCB | Efficiency ratio 0.3% vs NBTB's 0.5% (lower = leaner) |
| Stability / Safety | FVCB | Beta 0.60 vs NBTB's 0.76, lower leverage |
| Dividends | NBTB | 3.0% yield, 13-year raise streak, vs FVCB's 0.7% |
| Momentum (1Y) | FVCB | +49.1% vs NBTB's +18.3% |
| Efficiency (ROA) | FVCB | Efficiency ratio 0.3% vs NBTB's 0.5% |
FVCB vs NBTB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FVCB vs NBTB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFVCBLAGGINGNBTB
NBTBNBT Bancorp Inc.
2leads
FVCBFVCBankcorp, Inc.
3leads
6 Total Categories
CATEGORYLEADERvs NBTBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NBTB5/5
Valuation MetricsMultiples, price ratios, and targets
FVCB4/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FVCB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FVCB4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
NBTB2/2
Income & Cash Flow (Last 12 Months)
NBTB leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NBTB is the larger business by revenue, generating $902M annually — 7.5x FVCB's $120M. Profitability is closely matched — net margins range from 18.8% (NBTB) to 18.4% (FVCB).
| Metric | FVCBFVCBankcorp, Inc. | NBTBNBT Bancorp Inc. |
|---|---|---|
| RevenueTrailing 12 months | $120M | $902M |
| EBITDAEarnings before interest/tax | $29M | $241M |
| Net IncomeAfter-tax profit | $22M | $169M |
| Free Cash FlowCash after capex | $24M | $225M |
| Gross MarginGross profit ÷ Revenue | +53.1% | +73.6% |
| Operating MarginEBIT ÷ Revenue | +23.6% | +24.3% |
| Net MarginNet income ÷ Revenue | +18.4% | +18.8% |
| FCF MarginFCF ÷ Revenue | +19.9% | +24.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +14.8% | +39.5% |
NBTB leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
FVCB leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 13.9x trailing earnings, FVCB trades at a 4% valuation discount to NBTB's 14.5x P/E. Adjusting for growth (PEG ratio), NBTB offers better value at 2.06x vs FVCB's 2.11x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | FVCBFVCBankcorp, Inc. | NBTBNBT Bancorp Inc. |
|---|---|---|
| Market CapShares × price | $302M | $2.5B |
| Enterprise ValueMkt cap + debt − cash | $321M | $2.7B |
| Trailing P/EPrice ÷ TTM EPS | 13.88x | 14.47x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.38x | 11.54x |
| PEG RatioP/E ÷ EPS growth rate | 2.11x | 2.06x |
| EV / EBITDAEnterprise value multiple | 11.38x | 11.03x |
| Price / SalesMarket cap ÷ Revenue | 2.47x | 2.90x |
| Price / BookPrice ÷ Book value/share | 1.21x | 1.29x |
| Price / FCFMarket cap ÷ FCF | 12.65x | 11.49x |
FVCB leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
FVCB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
NBTB delivers a 9.5% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $9 for FVCB. FVCB carries lower financial leverage with a 0.10x debt-to-equity ratio, signaling a more conservative balance sheet compared to NBTB's 0.17x. On the Piotroski fundamental quality scale (0–9), FVCB scores 9/9 vs NBTB's 7/9, reflecting strong financial health.
| Metric | FVCBFVCBankcorp, Inc. | NBTBNBT Bancorp Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +8.9% | +9.5% |
| ROA (TTM)Return on assets | +1.0% | +1.1% |
| ROICReturn on invested capital | +7.2% | +7.9% |
| ROCEReturn on capital employed | +3.9% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 9 | 7 |
| Debt / EquityFinancial leverage | 0.10x | 0.17x |
| Net DebtTotal debt minus cash | $20M | $142M |
| Cash & Equiv.Liquid assets | $6M | $185M |
| Total DebtShort + long-term debt | $25M | $327M |
| Interest CoverageEBIT ÷ Interest expense | 0.52x | 1.05x |
FVCB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FVCB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NBTB five years ago would be worth $14,438 today (with dividends reinvested), compared to $12,119 for FVCB. Over the past 12 months, FVCB leads with a +49.1% total return vs NBTB's +18.3%. The 3-year compound annual growth rate (CAGR) favors FVCB at 18.3% vs NBTB's 14.1% — a key indicator of consistent wealth creation.
| Metric | FVCBFVCBankcorp, Inc. | NBTBNBT Bancorp Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +21.2% | +17.6% |
| 1-Year ReturnPast 12 months | +49.1% | +18.3% |
| 3-Year ReturnCumulative with dividends | +65.8% | +48.5% |
| 5-Year ReturnCumulative with dividends | +21.2% | +44.4% |
| 10-Year ReturnCumulative with dividends | +84.8% | +108.5% |
| CAGR (3Y)Annualised 3-year return | +18.3% | +14.1% |
FVCB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FVCB and NBTB each lead in 1 of 2 comparable metrics.
Risk & Volatility
FVCB is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than NBTB's 0.76 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NBTB currently trades 99.8% from its 52-week high vs FVCB's 91.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FVCBFVCBankcorp, Inc. | NBTBNBT Bancorp Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.60x | 0.76x |
| 52-Week HighHighest price in past year | $18.41 | $48.27 |
| 52-Week LowLowest price in past year | $11.13 | $39.20 |
| % of 52W HighCurrent price vs 52-week peak | +91.2% | +99.8% |
| RSI (14)Momentum oscillator 0–100 | 69.0 | 63.1 |
| Avg Volume (50D)Average daily shares traded | 205K | 266K |
Evenly matched — FVCB and NBTB each lead in 1 of 2 comparable metrics.
Analyst Outlook
NBTB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FVCB as "Buy" and NBTB as "Hold". Consensus price targets imply 13.2% upside for FVCB (target: $19) vs -4.5% for NBTB (target: $46). For income investors, NBTB offers the higher dividend yield at 2.96% vs FVCB's 0.71%.
| Metric | FVCBFVCBankcorp, Inc. | NBTBNBT Bancorp Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $19.00 | $46.00 |
| # AnalystsCovering analysts | 3 | 10 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +3.0% |
| Dividend StreakConsecutive years of raises | 1 | 13 |
| Dividend / ShareAnnual DPS | $0.12 | $1.43 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.2% | +0.4% |
NBTB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
FVCB leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). NBTB leads in 2 (Income & Cash Flow, Analyst Outlook). 1 tied.
Best OverallFVCBankcorp, Inc. (FVCB)Leads 3 of 6 categories
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FVCB vs NBTB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FVCB or NBTB a better buy right now?
For growth investors, NBT Bancorp Inc.
(NBTB) is the stronger pick with 10. 4% revenue growth year-over-year, versus 9. 4% for FVCBankcorp, Inc. (FVCB). FVCBankcorp, Inc. (FVCB) offers the better valuation at 13. 9x trailing P/E (11. 4x forward), making it the more compelling value choice. Analysts rate FVCBankcorp, Inc. (FVCB) a "Buy" — based on 3 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 — FVCB or NBTB?
On trailing P/E, FVCBankcorp, Inc.
(FVCB) is the cheapest at 13. 9x versus NBT Bancorp Inc. at 14. 5x. On forward P/E, FVCBankcorp, Inc. is actually cheaper at 11. 4x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: NBT Bancorp Inc. wins at 1. 64x versus FVCBankcorp, Inc. 's 1. 73x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — FVCB or NBTB?
Over the past 5 years, NBT Bancorp Inc.
(NBTB) delivered a total return of +44. 4%, compared to +21. 2% for FVCBankcorp, Inc. (FVCB). Over 10 years, the gap is even starker: NBTB returned +108. 5% versus FVCB's +84. 8%. 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 — FVCB or NBTB?
By beta (market sensitivity over 5 years), FVCBankcorp, Inc.
(FVCB) is the lower-risk stock at 0. 60β versus NBT Bancorp Inc. 's 0. 76β — meaning NBTB is approximately 27% more volatile than FVCB relative to the S&P 500. On balance sheet safety, FVCBankcorp, Inc. (FVCB) carries a lower debt/equity ratio of 10% versus 17% for NBT Bancorp Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FVCB or NBTB?
By revenue growth (latest reported year), NBT Bancorp Inc.
(NBTB) is pulling ahead at 10. 4% versus 9. 4% for FVCBankcorp, Inc. (FVCB). On earnings-per-share growth, the picture is similar: FVCBankcorp, Inc. grew EPS 47. 6% year-over-year, compared to 12. 5% for NBT Bancorp 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 — FVCB or NBTB?
NBT Bancorp Inc.
(NBTB) is the more profitable company, earning 19. 5% net margin versus 18. 1% for FVCBankcorp, Inc. — meaning it keeps 19. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NBTB leads at 25. 3% versus 23. 1% for FVCB. 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 FVCB or NBTB 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, NBT Bancorp Inc. (NBTB) is the more undervalued stock at a PEG of 1. 64x versus FVCBankcorp, Inc. 's 1. 73x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, FVCBankcorp, Inc. (FVCB) trades at 11. 4x forward P/E versus 11. 5x for NBT Bancorp Inc. — 0. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FVCB: 13. 2% to $19. 00.
08Which pays a better dividend — FVCB or NBTB?
All stocks in this comparison pay dividends.
NBT Bancorp Inc. (NBTB) offers the highest yield at 3. 0%, versus 0. 7% for FVCBankcorp, Inc. (FVCB).
09Is FVCB or NBTB better for a retirement portfolio?
For long-horizon retirement investors, FVCBankcorp, Inc.
(FVCB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 60), 0. 7% yield). Both have compounded well over 10 years (FVCB: +84. 8%, NBTB: +108. 5%), 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 FVCB and NBTB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
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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