National Bank of Canada (OTCMKTS:NTIOF) and Idaho Independent Bank (OTCMKTS:IIBK) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, dividends, risk, valuation, profitability, analyst recommendations and institutional ownership.
Risk and Volatility
National Bank of Canada has a beta of 1.24, meaning that its stock price is 24% more volatile than the S&P 500. Comparatively, Idaho Independent Bank has a beta of -0.15, meaning that its stock price is 115% less volatile than the S&P 500.
National Bank of Canada pays an annual dividend of $2.01 per share and has a dividend yield of 4.0%. Idaho Independent Bank does not pay a dividend. National Bank of Canada pays out 43.1% of its earnings in the form of a dividend.
Valuation and Earnings
This table compares National Bank of Canada and Idaho Independent Bank’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||2.01||$1.67 billion||$4.66||10.71|
|Idaho Independent Bank||N/A||N/A||$10.06 million||N/A||N/A|
National Bank of Canada has higher revenue and earnings than Idaho Independent Bank.
Insider & Institutional Ownership
0.1% of National Bank of Canada shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
This table compares National Bank of Canada and Idaho Independent Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|National Bank of Canada||19.09%||18.09%||0.83%|
|Idaho Independent Bank||N/A||N/A||N/A|
This is a summary of current ratings and target prices for National Bank of Canada and Idaho Independent Bank, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|National Bank of Canada||1||3||1||0||2.00|
|Idaho Independent Bank||0||0||0||0||N/A|
National Bank of Canada presently has a consensus target price of $64.00, indicating a potential upside of 28.28%. Given National Bank of Canada’s higher probable upside, research analysts clearly believe National Bank of Canada is more favorable than Idaho Independent Bank.
National Bank of Canada beats Idaho Independent Bank on 10 of the 12 factors compared between the two stocks.
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.
Idaho Independent Bank Company Profile
Idaho Independent Bank, a state-chartered bank, provides commercial banking services to individual and business customers in Idaho. The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as credit and debit cards; and loans comprising home mortgage loans, construction loans, home equity lines of credit, auto loans, personal lines of credit, business term loans, operating lines of credit, commercial real estate loans, secured personal loans, commercial real estate loans, and small business loans, as well as agricultural equipment loans, farm acquisition loans, and government guaranteed loans. It also provides cash management services, including express deposit, wire transfers, automated clearing house, sweep accounts, imaging, positive pay, and other payment services, as well as merchant services. In addition, the company offers online banking, bill pay, overdraft opt-in/out, e-statements, cashier's check, safe deposit box, and mobile banking services. It operates through three branches in Boise, as well as branches in Coeur d'Alene, Hayden, Meridian, Nampa, Caldwell, Mountain Home, Ketchum, and Star, Idaho. Idaho Independent Bank was founded in 1993 and is based in Coeur d'Alene, Idaho.
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