Customers Bancorp vs NBT Bancorp
Customers Bancorp Inc and NBT Bancorp Inc are the focus of this stock comparison page. This page compares business models, financial performance, and market context to help readers understand how the banks differ and how they position themselves within the sector. The content is presented in a clear, neutral style for accessibility. Educational content, not financial advice.
Customers Bancorp Inc and NBT Bancorp Inc are the focus of this stock comparison page. This page compares business models, financial performance, and market context to help readers understand how the ...
Investment Analysis
Pros
- Reported strong Q3 2025 earnings with net interest income growth driven by higher loan balances and lower funding costs.
- Maintains very low non-performing loans at 0.17% of total loans, indicating strong asset quality management.
- Achieved loan growth of 8% annualized with continued momentum in recruiting deposit-focused commercial banking teams.
Considerations
- Revenue declined by 6.15% in 2024 compared to prior year, with earnings down nearly 30%, reflecting recent profitability pressure.
- Relatively high beta of 1.62 suggesting greater stock price volatility compared to the market.
- No dividend currently paid, which may deter income-focused investors.
NBT Bancorp
NBTB
Pros
- Exhibited solid 7.6% annualized revenue growth over five years, accelerating to 11.8% over the last two years, indicating strong recent momentum.
- Reported an increase in net income with $140.6 million in 2024, up from $118.8 million in 2023, reflecting improving profitability.
- Loan growth remains healthy with a strong pipeline and significant deposit increases, supporting future growth potential.
Considerations
- Faces competition from larger regional banks and similar-sized community banks in its Northeastern US market, which may pressure margins.
- Net interest margin of 2.96% as of late 2024 is modest, potentially constraining profitability compared to peers with higher margins.
- Recent merger integration with Evans Bancorp may pose execution risks and short-term expense pressures.
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