Contrasting National Bank (NBHC) & Its Competitors

National Bank (NYSE:NBHC) is one of 919 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare National Bank to related businesses based on the strength of its dividends, analyst recommendations, valuation, earnings, institutional ownership, profitability and risk.

Valuation & Earnings

This table compares National Bank and its competitors gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
National Bank	$587.34 million	$109.57 million	29.77
National Bank Competitors	$9.95 billion	$2.42 billion	17.38

National Bank’s competitors have higher revenue and earnings than National Bank. National Bank is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Volatility & Risk

National Bank has a beta of 0.83, suggesting that its stock price is 17% less volatile than the S&P 500. Comparatively, National Bank’s competitors have a beta of 0.52, suggesting that their average stock price is 48% less volatile than the S&P 500.

Insider and Institutional Ownership

92.7% of National Bank shares are owned by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are owned by institutional investors. 6.8% of National Bank shares are owned by company insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares National Bank and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
National Bank	8.02%	5.90%	0.78%
National Bank Competitors	15.66%	9.44%	0.93%

Analyst Recommendations

This is a breakdown of recent recommendations for National Bank and its competitors, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
National Bank	0	3	2	0	2.40
National Bank Competitors	7464	30192	27759	1465	2.35

National Bank presently has a consensus price target of $42.33, suggesting a potential upside of 12.88%. As a group, “Banks” companies have a potential upside of 15.54%. Given National Bank’s competitors higher probable upside, analysts clearly believe National Bank has less favorable growth aspects than its competitors.

Dividends

National Bank pays an annual dividend of $1.28 per share and has a dividend yield of 3.4%. National Bank pays out 101.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Banks” companies pay a dividend yield of 9.2% and pay out 28.9% of their earnings in the form of a dividend. National Bank has raised its dividend for 10 consecutive years. National Bank lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Summary

National Bank competitors beat National Bank on 11 of the 15 factors compared.

National Bank Company Profile

National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, multi-family, hospitality, and retail buildings; small business administration loans to support small businesses and entrepreneurs; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer loans. In addition, it offers treasury management solutions comprising online and mobile banking, commercial credit card, wire transfer, automated clearing house, electronic bill payment, lock box, remote deposit capture, merchant processing, cash vault, controlled disbursements, and fraud prevention services, as well as other auxiliary services, including account reconciliation, collections, repurchase accounts, zero balance accounts, and sweep accounts. The company operates through a network of banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, Wyoming, Idaho, and Texas. It also operates ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. The company was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.