Banks - Regional
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5 / 10Stock Comparison
NWBI vs FULT vs TRMK vs NBTB vs FIS
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Banks - Regional
Banks - Regional
Information Technology Services
NWBI vs FULT vs TRMK vs NBTB 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 | $2.02B | $4.13B | $2.64B | $2.35B | $24.47B |
| Revenue (TTM) | $877M | $1.89B | $1.12B | $867M | $10.89B |
| Net Income (TTM) | $126M | $392M | $224M | $169M | $382M |
| Gross Margin | 68.3% | 67.4% | 71.0% | 72.1% | 38.1% |
| Operating Margin | 18.8% | 25.7% | 25.5% | 25.3% | 17.5% |
| Forward P/E | 10.2x | 10.6x | 11.5x | 10.8x | 7.5x |
| Total Debt | $446M | $1.30B | $1.12B | $327M | $4.01B |
| Cash & Equiv. | $234M | $271M | $668M | $185M | $599M |
NWBI vs FULT vs TRMK vs NBTB vs FIS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Northwest Bancshare… (NWBI) | 100 | 138.9 | +38.9% |
| Fulton Financial Co… (FULT) | 100 | 191.3 | +91.3% |
| Trustmark Corporati… (TRMK) | 100 | 188.7 | +88.7% |
| NBT Bancorp Inc. (NBTB) | 100 | 143.9 | +43.9% |
| Fidelity National I… (FIS) | 100 | 34.0 | -66.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NWBI vs FULT vs TRMK vs NBTB vs FIS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
NWBI has the current edge in this matchup, primarily because of its strength in income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.73, yield 5.4%
- Rev growth 16.3%, EPS growth 16.5%
- Lower volatility, beta 0.73, Low D/E 23.6%, current ratio 0.13x
- Beta 0.73, yield 5.4%, current ratio 0.13x
FULT is the #2 pick in this set and the best alternative if quality and efficiency is your priority.
- 20.7% margin vs FIS's 3.5%
- 1.2% ROA vs NWBI's 0.8%, ROIC 7.5% vs 5.6%
TRMK ranks third and is worth considering specifically for long-term compounding and bank quality.
- 127.7% 10Y total return vs FULT's 106.1%
- NIM 3.4% vs NWBI's 3.1%
- 34.8% NII/revenue growth vs FULT's 5.0%
- +32.5% vs FIS's -35.3%
Among these 5 stocks, NBTB doesn't own a clear edge in any measured category.
FIS is the clearest fit if your priority is valuation efficiency.
- PEG 0.31 vs NBTB's 1.53
- Lower P/E (7.5x vs 10.8x), PEG 0.31 vs 1.53
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs FULT's 5.0% | |
| Value | Lower P/E (7.5x vs 10.8x), PEG 0.31 vs 1.53 | |
| Quality / Margins | 20.7% margin vs FIS's 3.5% | |
| Stability / Safety | Beta 0.73 vs FULT's 1.13, lower leverage | |
| Dividends | 5.4% yield, vs NBTB's 3.2% | |
| Momentum (1Y) | +32.5% vs FIS's -35.3% | |
| Efficiency (ROA) | 1.2% ROA vs NWBI's 0.8%, ROIC 7.5% vs 5.6% |
NWBI vs FULT vs TRMK vs NBTB vs FIS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
NWBI vs FULT vs TRMK vs NBTB vs FIS — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
NBTB leads in 1 of 6 categories
TRMK leads 1 • NWBI leads 0 • FULT leads 0 • FIS leads 0 • 4 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — FULT and FIS each lead in 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FIS is the larger business by revenue, generating $10.9B annually — 12.6x NBTB's $867M. FULT is the more profitable business, keeping 20.7% of every revenue dollar as net income compared to FIS's 3.5%.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $877M | $1.9B | $1.1B | $867M | $10.9B |
| EBITDAEarnings before interest/tax | $166M | $529M | $323M | $241M | $3.8B |
| Net IncomeAfter-tax profit | $126M | $392M | $224M | $169M | $382M |
| Free Cash FlowCash after capex | $142M | $267M | $230M | $225M | $2.8B |
| Gross MarginGross profit ÷ Revenue | +68.3% | +67.4% | +71.0% | +72.1% | +38.1% |
| Operating MarginEBIT ÷ Revenue | +18.8% | +25.7% | +25.5% | +25.3% | +17.5% |
| Net MarginNet income ÷ Revenue | +14.4% | +20.7% | +20.0% | +19.5% | +3.5% |
| FCF MarginFCF ÷ Revenue | +16.2% | +15.0% | +20.7% | +25.2% | +26.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — | +8.2% |
| EPS Growth (YoY)Latest quarter vs prior year | +19.2% | +47.2% | +5.4% | +39.5% | +92.3% |
Valuation Metrics
Evenly matched — FULT and FIS each lead in 3 of 7 comparable metrics.
Valuation Metrics
At 10.3x trailing earnings, FULT trades at a 84% valuation discount to FIS's 63.0x P/E. Adjusting for growth (PEG ratio), FULT offers better value at 0.74x vs FIS's 2.58x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $2.0B | $4.1B | $2.6B | $2.4B | $24.5B |
| Enterprise ValueMkt cap + debt − cash | $2.2B | $5.2B | $3.1B | $2.5B | $27.9B |
| Trailing P/EPrice ÷ TTM EPS | 15.03x | 10.31x | 12.13x | 13.53x | 63.00x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.20x | 10.61x | 11.50x | 10.80x | 7.54x |
| PEG RatioP/E ÷ EPS growth rate | 1.83x | 0.74x | 1.50x | 1.92x | 2.58x |
| EV / EBITDAEnterprise value multiple | 13.57x | 9.74x | 9.49x | 10.35x | 7.66x |
| Price / SalesMarket cap ÷ Revenue | 2.31x | 2.18x | 2.36x | 2.71x | 2.29x |
| Price / BookPrice ÷ Book value/share | 1.07x | 1.13x | 1.28x | 1.21x | 1.76x |
| Price / FCFMarket cap ÷ FCF | 14.27x | 14.52x | 11.39x | 10.75x | 9.97x |
Profitability & Efficiency
NBTB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
FULT delivers a 11.6% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $3 for FIS. NBTB carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to TRMK's 0.53x. On the Piotroski fundamental quality scale (0–9), NWBI scores 7/9 vs FIS's 6/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +7.2% | +11.6% | +10.8% | +9.5% | +2.7% |
| ROA (TTM)Return on assets | +0.8% | +1.2% | +1.2% | +1.1% | +1.1% |
| ROICReturn on invested capital | +5.6% | +7.5% | +7.1% | +7.9% | +6.0% |
| ROCEReturn on capital employed | +6.8% | +9.5% | +3.2% | +2.4% | +6.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 | 7 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.24x | 0.37x | 0.53x | 0.17x | 0.29x |
| Net DebtTotal debt minus cash | $213M | $1.0B | $448M | $142M | $3.4B |
| Cash & Equiv.Liquid assets | $234M | $271M | $668M | $185M | $599M |
| Total DebtShort + long-term debt | $446M | $1.3B | $1.1B | $327M | $4.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.73x | 0.84x | 0.75x | 1.05x | 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, TRMK leads with a +32.5% total return vs FIS's -35.3%. The 3-year compound annual growth rate (CAGR) favors FULT at 32.1% vs FIS's -2.2% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +18.8% | +11.1% | +15.5% | +9.3% | -27.3% |
| 1-Year ReturnPast 12 months | +18.3% | +29.6% | +32.5% | +9.0% | -35.3% |
| 3-Year ReturnCumulative with dividends | +56.2% | +130.4% | +118.5% | +54.1% | -6.6% |
| 5-Year ReturnCumulative with dividends | +26.6% | +41.4% | +47.6% | +29.9% | -63.2% |
| 10-Year ReturnCumulative with dividends | +52.3% | +106.1% | +127.7% | +102.2% | -13.2% |
| CAGR (3Y)Annualised 3-year return | +16.0% | +32.1% | +29.8% | +15.5% | -2.2% |
Risk & Volatility
Evenly matched — NWBI and TRMK each lead in 1 of 2 comparable metrics.
Risk & Volatility
NWBI is the less volatile stock with a 0.73 beta — it tends to amplify market swings less than FULT's 1.13 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 | 0.73x | 1.13x | 0.94x | 0.89x | 0.76x |
| 52-Week HighHighest price in past year | $14.26 | $22.99 | $45.99 | $46.92 | $82.74 |
| 52-Week LowLowest price in past year | $11.25 | $16.60 | $33.39 | $39.20 | $43.30 |
| % of 52W HighCurrent price vs 52-week peak | +97.0% | +93.3% | +97.6% | +96.1% | +57.1% |
| RSI (14)Momentum oscillator 0–100 | 64.4 | 55.8 | 56.0 | 57.3 | 43.3 |
| Avg Volume (50D)Average daily shares traded | 1.3M | 2.0M | 392K | 236K | 5.5M |
Analyst Outlook
Evenly matched — NWBI and NBTB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: NWBI as "Hold", FULT as "Hold", TRMK as "Hold", NBTB 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, NWBI offers the higher dividend yield at 5.42% vs TRMK's 2.15%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold | Hold | Hold | Buy |
| Price TargetConsensus 12-month target | $14.67 | $24.00 | $45.50 | $46.00 | $67.38 |
| # AnalystsCovering analysts | 14 | 20 | 9 | 10 | 37 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +3.6% | +2.2% | +3.2% | +3.5% |
| Dividend StreakConsecutive years of raises | 0 | 2 | 1 | 12 | 1 |
| Dividend / ShareAnnual DPS | $0.75 | $0.77 | $0.97 | $1.43 | $1.63 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.6% | +3.0% | +0.4% | 0.0% |
NBTB leads in 1 of 6 categories (Profitability & Efficiency). TRMK leads in 1 (Total Returns). 4 tied.
NWBI vs FULT vs TRMK vs NBTB vs FIS: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is NWBI or FULT or TRMK or NBTB 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 5. 0% for Fulton Financial Corporation (FULT). Fulton Financial Corporation (FULT) offers the better valuation at 10. 3x trailing P/E (10. 6x forward), making it the more compelling value choice. Analysts rate Fidelity National Information Services, Inc. (FIS) a "Buy" — based on 37 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 — NWBI or FULT or TRMK or NBTB or FIS?
On trailing P/E, Fulton Financial Corporation (FULT) is the cheapest at 10.
3x 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 — NWBI or FULT or TRMK or NBTB 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 — NWBI or FULT or TRMK or NBTB or FIS?
By beta (market sensitivity over 5 years), Northwest Bancshares, Inc.
(NWBI) is the lower-risk stock at 0. 73β versus Fulton Financial Corporation's 1. 13β — meaning FULT is approximately 55% more volatile than NWBI relative to the S&P 500. On balance sheet safety, NBT Bancorp Inc. (NBTB) carries a lower debt/equity ratio of 17% versus 53% for Trustmark Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — NWBI or FULT or TRMK or NBTB or FIS?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus 5. 0% for Fulton Financial Corporation (FULT). On earnings-per-share growth, the picture is similar: Fulton Financial Corporation grew EPS 32. 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 — NWBI or FULT or TRMK or NBTB or FIS?
Fulton Financial Corporation (FULT) is the more profitable company, earning 20.
7% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 20. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FULT leads at 25. 7% versus 16. 5% for FIS. 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 NWBI or FULT or TRMK or NBTB 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 — NWBI or FULT or TRMK or NBTB or FIS?
All stocks in this comparison pay dividends.
Northwest Bancshares, Inc. (NWBI) offers the highest yield at 5. 4%, versus 2. 2% for Trustmark Corporation (TRMK).
09Is NWBI or FULT or TRMK or NBTB or FIS better for a retirement portfolio?
For long-horizon retirement investors, Northwest Bancshares, Inc.
(NWBI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 73), 5. 4% yield). Both have compounded well over 10 years (NWBI: +52. 3%, FULT: +106. 1%), 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 NWBI and FULT and TRMK and NBTB and FIS?
These companies operate in different sectors (NWBI (Financial Services) and FULT (Financial Services) and TRMK (Financial Services) and NBTB (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: NWBI is a small-cap high-growth stock; FULT is a small-cap deep-value stock; TRMK is a small-cap high-growth stock; NBTB is a small-cap deep-value 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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