National Bank of Canada (OTCMKTS:NTIOF) and Esquire Financial (NASDAQ:ESQ) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.
Risk & Volatility
National Bank of Canada has a beta of 1.27, meaning that its stock price is 27% more volatile than the S&P 500. Comparatively, Esquire Financial has a beta of 1.14, meaning that its stock price is 14% more volatile than the S&P 500.
0.1% of National Bank of Canada shares are owned by institutional investors. Comparatively, 46.2% of Esquire Financial shares are owned by institutional investors. 21.6% of Esquire Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Valuation and Earnings
This table compares National Bank of Canada and Esquire Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|National Bank of Canada||$8.33 billion||2.07||$1.67 billion||$4.66||11.05|
|Esquire Financial||$36.81 million||4.69||$8.73 million||N/A||N/A|
National Bank of Canada has higher revenue and earnings than Esquire Financial.
National Bank of Canada pays an annual dividend of $2.04 per share and has a dividend yield of 4.0%. Esquire Financial does not pay a dividend. National Bank of Canada pays out 43.8% of its earnings in the form of a dividend.
This table compares National Bank of Canada and Esquire Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|National Bank of Canada||18.84%||18.16%||0.83%|
This is a breakdown of current ratings and target prices for National Bank of Canada and Esquire Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|National Bank of Canada||1||3||1||0||2.00|
National Bank of Canada currently has a consensus price target of $64.00, suggesting a potential upside of 24.28%. Given National Bank of Canada’s higher probable upside, research analysts plainly believe National Bank of Canada is more favorable than Esquire Financial.
National Bank of Canada Company Profile
National Bank of Canada provides various financial products and services to retail, commercial, corporate, and institutional clients in Canada and internationally. It operates through Personal and Commercial, Wealth Management, Financial Markets, and U.S. Specialty Finance and International segments. The Personal and Commercial segment offers personal banking services, including transaction solutions, mortgage loans and home equity lines of credit, consumer loans, payment solutions, savings options, and tailored investment solutions; various insurance products; and commercial banking services, such as credit, and deposit and investment solutions, as well as international trade, foreign exchange transactions, payroll, cash management, insurance, electronic transactions, and complementary services. The Wealth Management segment provides investment solutions, trust services, banking services, lending services, and other wealth management solutions through internal and third-party distribution networks. The Financial Markets segment offers risk management products and services; and debt and equity underwriting; advisory services in the areas of mergers and acquisitions, and financing. The U.S. Specialty Finance and International segments provides specialty finance expertise; financial products and services to individuals and businesses in Cambodia; and the activities of targeted investments in certain emerging markets. The company provides its services through a network of 428 branches and 937 banking machines. The company was founded in 1859 and is headquartered in Montreal, Canada.
Esquire Financial Company Profile
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small business communities, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, home repairs, home improvement, or consumer purchases; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans. As of December 31, 2018, the company operated a branch in Garden City, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
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