FUNC vs NBTB

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Sep 13, 2026

FUNC

67.6
AI Score
VS
FUNC Wins

NBTB

60.3
AI Score

Investment Advisor Scores

FUNC

68score
Recommendation
BUY

NBTB

60score
Recommendation
BUY

AI Analyst Insights

AI insights temporarily unavailable

Detailed Metrics Comparison

Metric FUNC NBTB Winner
Revenue 12.10M 94.39M NBTB
Net Income 18.08M 83.91M NBTB
Net Margin 149.4% 88.9% FUNC
ROE 13.7% 8.4% FUNC
ROA 1.0% 0.9% FUNC
Total Assets 1.80B 9.55B NBTB
Cash 30.76M 174.63M NBTB
Debt/Equity 0.23 0.07 NBTB

Relative Price Performance (Last 90 Days)

FUNC 1M: -2.5% · 3M: +6.7% NBTB 1M: -3.1% · 3M: +8.5%

Current Technical Phase

FUNC

Markup
Hold / add on dips

Price above SMA50, rising 50-day trend (1.4% over 20 days), RSI 54

RSI (14): 54.3 · Price: $44.45

NBTB

Neutral
Hold

Mixed signals - no dominant trend phase, RSI 50

RSI (14): 49.9 · Price: $51.73

Fundamentals Snapshot

Metric FUNC NBTB
Market Cap
Forward P/E 9.3 11.4
Trailing P/E 11.2 12.4
Revenue (TTM)
Revenue Growth 0.1% 0.2%
Gross Margin 1.0% 1.0%
Operating Margin 0.3% 0.4%
EPS 3.95 4.15
Dividend Yield 0.02% 0.03%

Frequently Asked Questions

Based on our detailed analysis, FUNC is currently the stronger investment candidate, winning 3 of the key financial metrics based on our comprehensive scoring model.

We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.

Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.