Patria vs NBT Bancorp

Patria and NBT Bancorp are presented to compare how each operates. This page examines business models, financial performance, and market context in a neutral, accessible way. It offers clear, factual context to help readers form their own view. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

PAX

Metric

NBTB

$2.71B

Market Cap

$2.25B

-4.01%

Potential Profit

4.37%

Hold

Analyst Rating

Buy

Investment Analysis

Patria

PAX

Pros

Patria Investments has demonstrated revenue growth with a 14.22% increase to $374.20 million in 2024, indicating expanding business operations.
The firm boasts a relatively low beta of 0.70, suggesting lower volatility compared to the broader market and potential defensive qualities.
Patria has a diversified investment portfolio across resilient sectors such as agribusiness, power & energy, healthcare, and digital services across Latin America and globally.

Considerations

Patria’s earnings declined sharply by 39.29% despite revenue growth, pointing to potential margin pressure or increased costs.
The company has a moderate debt/equity ratio around 27.4%, which may pose financial leverage risks under adverse market conditions.
The stock has experienced a 23.62% decline since IPO and fluctuates within a wide 52-week price range, indicating some market uncertainty about its valuation.

NBT Bancorp

NBTB

Pros

NBT Bancorp benefits from a strong and historically stable loan portfolio, recently gaining analyst upgrades reflecting improved lending quality.
The bank operates with a diversified suite of financial services including commercial banking, retail banking, wealth management, and trust services.
NBT offers a dividend yield of approximately 3.41%, providing a steady income component for investors.

Considerations

Regional banking sector risks remain a concern due to recent charge-offs and collateral challenges affecting peer banks, posing potential credit risk exposure.
NBT Bancorp's share price shows limited upside recently, trading below its 52-week high, which may suggest tempered market expectations.
The company faces competitive pressures in its key markets, which could impact future loan growth and profitability.

About The Companies

Patria (PAX)

Patria Investments Ltd is a global alternative asset manager with a strong focus on the middle market, particularly in Latin America where it has a significant presence. The company offers a wide array of investment strategies across multiple product lines, including private equity, credit, real estate, and infrastructure. It caters to a diverse client base through various structures like drawdown funds and permanent capital vehicles, aiming to meet different investment goals and liquidity needs. Patria invests in a range of sectors, from agribusiness and healthcare to logistics and technology. For investors, Patria represents a way to potentially gain exposure to private markets and emerging economies, though it's important to remember that such investments come with their own unique set of risks and opportunities. As with any investment, its value can fall as well as rise.

NBT Bancorp (NBTB)

NBT Bancorp Inc. is a financial holding company headquartered in the United States. Its primary operation is NBT Bank, a full-service community bank with a significant presence across states like New York, Pennsylvania, and New England. The bank provides a comprehensive suite of services, including commercial and retail banking, as well as wealth management solutions for individuals, businesses, and municipalities. Beyond traditional banking, NBT Bancorp also operates a national benefits administration firm and a regional insurance agency, diversifying its revenue sources. For potential investors, NBT represents a company with deep roots in community banking. It is important to remember that the value of investments can go down as well as up, and past performance is not a reliable indicator of future results. This information is for educational purposes only.

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Comparison Snapshot

Investment Analysis

Patria

Pros

Considerations

NBT Bancorp

Pros

Considerations

About The Companies

Buy PAX or NBTB in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is the basic business focus of Patria and NBT Bancorp as shown in this comparison?

How does revenue growth relate to a company’s profitability in this context?

What does beta tell us about Patria’s volatility compared with the market?

What should investors consider when evaluating a dividend yield like NBT Bancorp’s 3.41%?

How can price volatility affect decision-making when comparing these stocks?

What market risks are common to regional banks like NBT Bancorp?

How do macroeconomic conditions impact these two different business models?

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Comparison Snapshot

About The Companies