Contrasting DBS Group (OTCMKTS:DBSDY) and NBT Bancorp (NASDAQ:NBTB)

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

Insider & Institutional Ownership

58.5% of NBT Bancorp shares are held by institutional investors. Comparatively, 0.2% of DBS Group 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 company is poised for long-term growth.

Earnings and Valuation

This table compares NBT Bancorp and DBS Group’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NBT Bancorp	$551.42 million	3.97	$118.78 million	$2.59	17.95
DBS Group	$25.60 billion	3.03	$7.49 billion	N/A	N/A

DBS Group has higher revenue and earnings than NBT Bancorp.

Dividends

NBT Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 2.9%. DBS Group pays an annual dividend of $6.30 per share and has a dividend yield of 5.8%. NBT Bancorp pays out 52.5% of its earnings in the form of a dividend. NBT Bancorp has raised its dividend for 12 consecutive years.

Analyst Recommendations

This is a summary of recent ratings and price targets for NBT Bancorp and DBS Group, as provided by MarketBeat.

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

NBT Bancorp presently has a consensus price target of $42.60, indicating a potential downside of 8.35%. Given NBT Bancorp’s higher probable upside, equities research analysts plainly believe NBT Bancorp is more favorable than DBS Group.

Profitability

This table compares NBT Bancorp and DBS Group’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%
DBS Group	N/A	N/A	N/A

Volatility and Risk

NBT Bancorp has a beta of 0.52, suggesting that its share price is 48% less volatile than the S&P 500. Comparatively, DBS Group has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500.

Summary

NBT Bancorp beats DBS Group on 9 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 DBS Group

DBS Group Holdings Ltd provides commercial banking and financial services in Singapore, Hong Kong, rest of Greater China, South and Southeast Asia, and internationally. The company's Consumer Banking/Wealth Management segment offers banking and related financial services, including current and savings accounts, fixed deposits, loans and home finance, cards, payments, investment, and insurance products for individual customers. Its Institutional Banking segment provides financial services and products for bank and non-bank financial institutions, government-linked companies, large corporates, and small and medium sized businesses. Its products and services comprise short-term working capital financing and specialized lending; cash management, trade finance, and securities and fiduciary services; treasury and markets products; and corporate finance and advisory banking, as well as capital markets solutions. The company's Treasury Markets segment is involved in the structuring, market-making, and trading in a range of treasury products. DBS Group Holdings Ltd was founded in 1968 and is headquartered in Singapore.