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

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

Profitability

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

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NBT Bancorp	$906.48 million	2.87	$169.24 million	$4.09	12.26
FirstSun Capital Bancorp	$569.65 million	3.16	$97.94 million	$1.97	19.62

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 & Insider Ownership

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

Volatility and Risk

NBT Bancorp has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500. Comparatively, FirstSun Capital Bancorp has a beta of 0.32, meaning that its stock price is 68% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings for NBT Bancorp and FirstSun Capital Bancorp, as provided by MarketBeat.

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

NBT Bancorp presently has a consensus price target of $54.10, suggesting a potential upside of 7.92%. FirstSun Capital Bancorp has a consensus price target of $45.25, suggesting a potential upside of 17.05%. Given FirstSun Capital Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe FirstSun Capital Bancorp is more favorable than NBT Bancorp.

Summary

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

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.

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.