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NBTB vs PRK
Which Stock Would AI Choose? NBT Bancorp Inc. (NBTB) vs. Park National Corporation (PRK) Stock Comparison
Key Takeaways
- Both NBTB and PRK operate as regional banks, offering similar services in commercial and retail banking, with PRK showing stronger year-to-date gains of 16.02% compared to NBTB's 11.17%.
- PRK boasts a larger market capitalization at $3.17 billion versus NBTB's $2.39 billion, reflecting greater scale.
- NBTB trades at a lower price-to-earnings (P/E) ratio of 13.74, suggesting relative value compared to PRK's 15.78.
- Recent analyst sentiment favors NBTB with a "Buy" rating and $48.83 target, while PRK holds "Neutral" with $178.17 target.
- One-year returns show PRK at 26.25% outperforming NBTB's 19.09%, indicating better momentum.
Introduction
This stock comparison examines NBTB and PRK, two regional banks navigating the current interest rate environment and economic shifts. Investors seeking exposure to financial services, particularly those interested in relative performance, valuation, and momentum in the banking sector, will find value here. With both stocks reflecting broader trends in regional lending and deposit growth, this analysis highlights key differences in scale, returns, and market positioning to aid informed decision-making in today's market.
NBTB Overview and Recent Performance
NBTB, or NBT Bancorp Inc., is a financial holding company providing personal and commercial banking, retail banking, and wealth management services primarily in the northeastern United States. In recent market activity, the stock has traded within a 52-week range of $39.20 to $46.92, with a current price around $45.76 and a market cap of $2.39 billion. Year-to-date performance stands at 11.17%, supported by positive news sentiment and a recent "Buy" initiation from analysts. Influences include stable net interest income (NII, revenue from interest-bearing assets minus interest expenses) growth and regional economic resilience, though broader sector pressures on margins have tempered gains. Trading volume and price stability reflect investor confidence in its operational efficiency.
PRK Overview and Recent Performance
PRK, Park National Corporation, operates as a holding company delivering banking and non-banking financial services through subsidiaries, focused on the Midwest. Recently, shares have moved within a 52-week range of $141.34 to $179.48, currently near $175.45, with a $3.17 billion market cap. Year-to-date returns of 16.02% outpace peers, driven by consistent earnings and a dividend yield around 2.5%. Sentiment has been steady amid regional lending growth, though neutral analyst views highlight valuation considerations. Factors like deposit stability and controlled non-performing loans have bolstered performance in recent weeks.
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Head-to-Head Comparison
Both NBTB and PRK share regional bank business models centered on lending, deposits, and fee-based services, with exposure to commercial real estate and consumer sectors. Growth drivers differ slightly: PRK benefits from larger scale and higher one-year returns (26.25% vs. 19.09%), while NBTB offers a lower P/E for value-oriented investors. Recent momentum favors PRK's YTD edge, but NBTB shows stronger analyst upside potential. Risk factors include interest rate sensitivity and net charge-offs (NCO, losses on loans), common to both amid economic uncertainty. Market sentiment leans positive for regional banks, with PRK exhibiting greater stability via dividend support.
Tickeron AI Verdict
Tickeron's AI currently leans toward PRK due to superior recent momentum, higher YTD and one-year returns, and larger market positioning, suggesting better trend consistency in the regional banking space. However, NBTB remains attractive for value plays with its lower valuation and positive analyst outlook. Outcomes depend on evolving catalysts like rates and earnings.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is NBTB is a Hold and PRK is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
NBTB’s FA Score shows that 1 FA rating(s) are green whilePRK’s FA Score has 0 green FA rating(s).
- NBTB’s FA Score: 1 green, 4 red.
- PRK’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
NBTB’s TA Score shows that 3 TA indicator(s) are bullish while PRK’s TA Score has 5 bullish TA indicator(s).
- NBTB’s TA Score: 3 bullish, 5 bearish.
- PRK’s TA Score: 5 bullish, 3 bearish.
Price Growth
NBTB (@Regional Banks) experienced а -0.25% price change this week, while PRK (@Regional Banks) price change was +0.30% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.72%. For the same industry, the average monthly price growth was +5.07%, and the average quarterly price growth was +12.89%.
Reported Earning Dates
NBTB is expected to report earnings on Jul 27, 2026.
PRK is expected to report earnings on Jul 27, 2026.
Industries' Descriptions
@Regional Banks (+0.72% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| NBTB | PRK | NBTB / PRK | |
| Capitalization | 2.46B | 3.2B | 77% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.819 | 17.522 | 90% |
| P/E Ratio | 13.36 | 16.20 | 82% |
| Revenue | 724M | 587M | 123% |
| Total Cash | 152M | 137M | 111% |
| Total Debt | 180M | 33.9M | 531% |
NBTB | PRK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 80 | 37 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 33 Fair valued | 71 Overvalued | |
PROFIT vs RISK RATING 1..100 | 54 | 42 | |
SMR RATING 1..100 | 38 | 39 | |
PRICE GROWTH RATING 1..100 | 47 | 47 | |
P/E GROWTH RATING 1..100 | 52 | 54 | |
SEASONALITY SCORE 1..100 | 50 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
NBTB's Valuation (33) in the Regional Banks industry is somewhat better than the same rating for PRK (71) in the Major Banks industry. This means that NBTB’s stock grew somewhat faster than PRK’s over the last 12 months.
PRK's Profit vs Risk Rating (42) in the Major Banks industry is in the same range as NBTB (54) in the Regional Banks industry. This means that PRK’s stock grew similarly to NBTB’s over the last 12 months.
NBTB's SMR Rating (38) in the Regional Banks industry is in the same range as PRK (39) in the Major Banks industry. This means that NBTB’s stock grew similarly to PRK’s over the last 12 months.
NBTB's Price Growth Rating (47) in the Regional Banks industry is in the same range as PRK (47) in the Major Banks industry. This means that NBTB’s stock grew similarly to PRK’s over the last 12 months.
NBTB's P/E Growth Rating (52) in the Regional Banks industry is in the same range as PRK (54) in the Major Banks industry. This means that NBTB’s stock grew similarly to PRK’s over the last 12 months.
| NBTB | PRK | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 74% | 2 days ago 64% |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 64% |
| Momentum ODDS (%) | 6 days ago 49% | 2 days ago 49% |
| MACD ODDS (%) | 2 days ago 56% | 2 days ago 53% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 56% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 54% |
| Advances ODDS (%) | 2 days ago 58% | 12 days ago 51% |
| Declines ODDS (%) | 8 days ago 59% | N/A |
| BollingerBands ODDS (%) | 2 days ago 67% | 2 days ago 59% |
| Aroon ODDS (%) | 2 days ago 44% | 2 days ago 54% |
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