Enterprise Financial Services vs NBT Bancorp
Enterprise Financial Services and NBT Bancorp are similar in size: $740m and $697m of revenue in their latest fiscal years. NBT Bancorp grew faster (20.8% against 16.0%). Enterprise Financial Services kept more of each dollar of sales as profit: a net margin of 27.2% against 24.3%.
| Latest fiscal year | Enterprise Financial ServicesEFSC, 2025 | NBT BancorpNBTB, 2025 |
|---|---|---|
| Revenue | $740m | $697m |
| Revenue growth | 16.0% | 20.8% |
| Net income | $201m | $169m |
| Operating margin | — | — |
| Net margin | 27.2% | 24.3% |
| Return on equity | 10.4% | 9.9% |
| Free cash flow | $182m | $219m |
| Cash | $682m | $487m |
| Total debt | $0 | $148m |
| Debt to equity | — | — |
| Dividend per share | $1.22 | $1.42 |
| Dividend yield | 2.2% | 2.8% |
| Share buybacks | $14.1m | $10.2m |
| Employees | — | 2,303 |
| Market value | $2.26bn | $2.76bn |
| Price vs our value range | — | — |
| Moat score | 72 (Strong) | 64 (Moderate) |
| Insider trades, 12 months | 0 buys, 2 sales | 0 buys, 0 sales |