National Bank (NYSE:NBHC – Get Free Report) and American Bank (OTCMKTS:AMBK – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, dividends, valuation, institutional ownership, earnings, profitability and risk.
Risk and Volatility
National Bank has a beta of 0.84, meaning that its stock price is 16% less volatile than the S&P 500. Comparatively, American Bank has a beta of 0.05, meaning that its stock price is 95% less volatile than the S&P 500.
Profitability
This table compares National Bank and American Bank’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
National Bank | 25.40% | 12.20% | 1.43% |
American Bank | N/A | N/A | N/A |
Dividends
Analyst Recommendations
This is a summary of recent recommendations and price targets for National Bank and American Bank, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
National Bank | 0 | 1 | 1 | 0 | 2.50 |
American Bank | 0 | 0 | 0 | 0 | N/A |
National Bank presently has a consensus target price of $37.50, suggesting a potential upside of 9.08%. Given National Bank’s higher possible upside, equities analysts plainly believe National Bank is more favorable than American Bank.
Insider and Institutional Ownership
92.7% of National Bank shares are owned by institutional investors. 3.3% of National Bank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Earnings and Valuation
This table compares National Bank and American Bank’s gross revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
National Bank | $420.10 million | 3.09 | $142.05 million | $3.72 | 9.24 |
American Bank | N/A | N/A | N/A | N/A | N/A |
National Bank has higher revenue and earnings than American Bank.
Summary
National Bank beats American Bank on 10 of the 12 factors compared between the two stocks.
About National Bank
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.
About American Bank
American Bank Incorporated operates as the bank holding company for American Bank that provides various banking products and services to consumer, business, institutional, and governmental customers. It accepts a range of interest-bearing checking and money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. The company also offers commercial, industrial, and other loans; commercial mortgage loans; commercial construction loans; residential mortgage loans; and consumer loans, including personal term loans, personal credit lines, automobile loans, home equity loans, and home equity lines of credit and loans. In addition, it provides online or mobile banking, automated teller machine, safe deposit box rental, and wire transfer services, as well as sells checks and checkbooks, and purchases investment securities. The company operates an office located in Allentown, Pennsylvania; and a loan production office in Blue Bell, Pennsylvania. The company was founded in 1997 and is based in Allentown, Pennsylvania.
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