CBB Bancorp (OTCMKTS:CBBI) versus NBT Bancorp (NASDAQ:NBTB) Head to Head Analysis

NBT Bancorp (NASDAQ:NBTB) and CBB Bancorp (OTCMKTS:CBBI) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, analyst recommendations, profitability and institutional ownership.

Valuation & Earnings

This table compares NBT Bancorp and CBB Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NBT Bancorp	$551.42 million	3.86	$118.78 million	$2.59	17.44
CBB Bancorp	$122.26 million	0.90	$28.86 million	$2.59	4.00

NBT Bancorp has higher revenue and earnings than CBB Bancorp. CBB Bancorp is trading at a lower price-to-earnings ratio than NBT Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

58.5% of NBT Bancorp shares are held by institutional investors. 3.3% of NBT Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and price targets for NBT Bancorp and CBB Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NBT Bancorp	0	3	2	0	2.40
CBB Bancorp	0	0	0	0	N/A

NBT Bancorp currently has a consensus target price of $42.60, indicating a potential downside of 5.48%. Given NBT Bancorp’s higher probable upside, equities analysts plainly believe NBT Bancorp is more favorable than CBB Bancorp.

Volatility and Risk

NBT Bancorp has a beta of 0.5, indicating that its share price is 50% less volatile than the S&P 500. Comparatively, CBB Bancorp has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.

Dividends

NBT Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 3.0%. CBB Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 3.1%. NBT Bancorp pays out 52.5% of its earnings in the form of a dividend. CBB Bancorp pays out 12.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. NBT Bancorp has increased its dividend for 12 consecutive years. CBB Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
NBT Bancorp	16.15%	9.64%	1.01%
CBB Bancorp	20.08%	N/A	N/A

Summary

NBT Bancorp beats CBB Bancorp on 11 of the 15 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 CBB Bancorp

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, and certification of deposit accounts; SBA lending; business lines of credit; business term loans; business and commercial property loans; construction loans; and credit cards. The company also provides treasury management, and mobile and online banking services, as well as title and escrow services. In addition, it engages in investing activities; and offers trade finance services, including commercial letters of credit, standby letters of credit, and documentary collection services. The company offers its services through full-service and limited-service branches in Southern California, Dallas, Texas and Honolulu, and Hawaii; and loan production offices in the states of Colorado, Georgia, Texas, and Washington. CBB Bancorp, Inc. was founded in 2005 and is headquartered in Los Angeles, California.