NBTB vs PENN

Comparison between NBT Bancorp. Inc (NBTB, Company) and PENN Entertainment Inc (PENN, Company).

NBTB is from the Financial Services sector, while PENN is from the Consumer Cyclical sector.

5-Year PerformanceNBTB has outperformed PENN, delivering a return of +12.1% compared to -21.4%

NBTB vs PENN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NBTB(COMPANY)	PENN(COMPANY)
Market Cap	$2.83B	$2.83B
Max Drawdown	53.69%	92.86%
Sharpe Ratio	0.99	0.38
5Y Beta	0.75	1.38
Industry	Banks - Regional	Resorts & Casinos
P/E Ratio	16.73	-3.91
Forward P/E	13.40	12.44
PEG Ratio	0.96	1.01
Dividend Yield	2.80%	N/A
5Y Dividends CAGR	11.00%	166.42%
5Y EPS CAGR	3.83%	N/A
Debt to Equity	6.15%	159.91%
Free Cash Flow Yield	8.71%	20.82%
P/S Ratio	3.90	0.40
P/B Ratio	1.46	1.54

Market Cap

Winner

NBTB

$2.83B

PENN

$2.83B

Max Drawdown

Winner

NBTB

53.69%

PENN

92.86%

Sharpe Ratio

Winner

NBTB

0.99

PENN

0.38

5Y Beta

Winner

NBTB

0.75

PENN

1.38

Industry

NBTB

Banks - Regional

PENN

Resorts & Casinos

P/E Ratio

NBTB

16.73

Winner

PENN

-3.91

Forward P/E

NBTB

13.40

Winner

PENN

12.44

PEG Ratio

Winner

NBTB

0.96

PENN

1.01

Dividend Yield

NBTB

2.80%

PENN

N/A

5Y Dividends CAGR

NBTB

11.00%

Winner

PENN

166.42%

5Y EPS CAGR

NBTB

3.83%

PENN

N/A

Debt to Equity

Winner

NBTB

6.15%

PENN

159.91%

Free Cash Flow Yield

NBTB

8.71%

Winner

PENN

20.82%

P/S Ratio

NBTB

3.90

Winner

PENN

0.40

P/B Ratio

Winner

NBTB

1.46

PENN

1.54

NBTB vs PENN - Historical Returns

Returns include dividend reinvestment.

Period	NBTB	PENN
1 month	+4.78%	-4.47%
3 months	+20.06%	+18.88%
6 months	+20.50%	+59.89%
1 year	+31.62%	+13.68%
5 years(CAGR)	+12.13%	-21.38%
10 years(CAGR)	+9.11%	+3.23%
Max(CAGR)	+7.65%	+14.90%

Winner

NBTB

+4.78%

PENN

-4.47%

Winner

NBTB

+20.06%

PENN

+18.88%

NBTB

+20.50%

Winner

PENN

+59.89%

Winner

NBTB

+31.62%

PENN

+13.68%

5Y(CAGR)

Winner

NBTB

+12.13%

PENN

-21.38%

10Y(CAGR)

Winner

NBTB

+9.11%

PENN

+3.23%

Max(CAGR)

NBTB

+7.65%

Winner

PENN

+14.90%

NBTB vs PENN - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	NBTB	PENN
2026	+28.73%	+38.25%
2025	-9.02%	-23.34%
2024	+16.83%	-23.62%
2023	+1.26%	-11.10%
2022	+14.32%	-41.35%
2021	+24.84%	-35.90%
2020	-18.41%	+230.41%
2019	+19.24%	+31.41%
2018	-3.33%	-38.74%
2017	-10.10%	+122.20%
2016	+59.90%	-12.72%
2015	+12.03%	+18.84%
2014	+6.89%	-3.04%
2013	+27.49%	+23.08%
2012	-7.03%	+28.93%
2011	-7.22%	+10.00%
2010	+21.06%	+26.67%
2009	-23.93%	+18.47%
2008	+30.00%	-63.75%
2007	-7.39%	+45.24%
2006	+19.48%	+23.25%
2005	-11.48%	+10.57%
2004	+22.65%	+163.03%
2003	+26.53%	+37.46%
2002	+27.59%	+6.87%
2001	+4.37%	+194.28%
2000	-3.05%	+7.26%
1999	-15.41%	+3.22%

NBTB vs PENN Drawdown Comparison

The maximum drawdown for NBTB was -52.87%, occurring on Mar 9, 2009. Recovery took 1700 trading sessions.

The maximum drawdown for PENN was -91.38%, occurring on Feb 13, 2026. This drawdown has not yet recovered.

The current NBTB drawdown is -2.97%. The current PENN drawdown is -84.96%.

Rank	NBTB	PENN
#1	-52.87% Sep 19, 2008 - Jun 23, 2015	-91.38% Mar 15, 2021 - Feb 13, 2026
#2	-47.24% Nov 4, 1999 - Jun 29, 2001	-88.19% Feb 13, 2020 - Aug 5, 2020
#3	-37.88% Nov 10, 2022 - Jul 17, 2024	-79.64% Jun 19, 2007 - Nov 13, 2013
#4	-35.11% Dec 20, 2019 - Mar 8, 2021	-54.14% Jul 13, 2018 - Feb 11, 2020
#5	-33.93% Dec 27, 2006 - Aug 1, 2008	-49.31% Oct 30, 2000 - May 8, 2001
#6	-33.50% Jun 29, 2001 - Nov 4, 2002	-48.92% Jul 3, 2001 - Dec 14, 2001
#7	-25.67% Dec 16, 2024 - Jul 1, 2026	-39.31% May 3, 2002 - Oct 21, 2002
#8	-24.00% Jan 4, 2017 - Jul 24, 2018	-38.56% Jul 14, 2015 - May 16, 2017
#9	-23.40% Dec 22, 2004 - Dec 4, 2006	-33.90% May 5, 2003 - Oct 29, 2003
#10	-22.00% Mar 12, 2021 - Jan 14, 2022	-32.94% Nov 18, 2013 - Jan 14, 2015
#11	-21.08% Nov 27, 2015 - Jul 14, 2016	-31.87% Jul 12, 2005 - Mar 7, 2006
#12	-20.87% Jul 26, 2018 - Nov 4, 2019	-28.86% Apr 20, 2006 - Jan 29, 2007
#13	-16.12% Jan 14, 2022 - Aug 12, 2022	-28.69% Sep 22, 2020 - Dec 8, 2020
#14	-13.85% Jul 26, 2024 - Nov 6, 2024	-28.43% Oct 21, 2002 - May 1, 2003
#15	-13.55% Apr 2, 2004 - Sep 9, 2004	-25.65% Jan 3, 2000 - Mar 28, 2000

Correlation

Correlation between NBTB and PENN is 0.57 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.57

-101

Dividend Comparison (1999 - 2026)

NBTB vs PENN dividend yield comparison.

Year	NBTB	PENN
2026	1.41%	0.00%
2025	3.42%	0.00%
2024	2.76%	0.00%
2023	2.96%	0.00%
2022	2.67%	0.00%
2021	2.86%	0.00%
2020	3.36%	0.00%
2019	2.59%	0.00%
2018	2.86%	0.00%
2017	2.50%	0.00%
2016	2.15%	0.00%
2015	3.12%	0.00%
2014	3.20%	0.00%
2013	3.13%	318.49%
2012	3.95%	0.00%
2011	3.62%	0.00%
2010	3.31%	0.00%
2009	3.93%	0.00%
2008	2.86%	1.59%
2007	3.46%	0.00%
2006	2.98%	0.00%
2005	3.52%	0.00%
2004	2.88%	0.00%
2003	3.17%	0.00%
2002	3.98%	0.00%
2001	4.69%	0.00%
2000	4.65%	0.00%
1999	1.10%	0.00%