California First National Bancorp (OTCMKTS:CFNB) and National Bank (NYSE:NBHC) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, profitability, analyst recommendations, institutional ownership and valuation.
This table compares California First National Bancorp and National Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|California First National Bancorp||N/A||4.09%||2.45%|
Valuation and Earnings
This table compares California First National Bancorp and National Bank’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|California First National Bancorp||$16.94 million||9.98||$7.33 million||N/A||N/A|
|National Bank||$292.17 million||3.83||$61.45 million||$2.16||16.60|
National Bank has higher revenue and earnings than California First National Bancorp.
California First National Bancorp pays an annual dividend of $0.50 per share and has a dividend yield of 3.0%. National Bank pays an annual dividend of $0.80 per share and has a dividend yield of 2.2%. National Bank pays out 37.0% of its earnings in the form of a dividend.
Volatility & Risk
California First National Bancorp has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500. Comparatively, National Bank has a beta of 1.08, meaning that its share price is 8% more volatile than the S&P 500.
This is a breakdown of current recommendations and price targets for California First National Bancorp and National Bank, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|California First National Bancorp||0||0||0||0||N/A|
National Bank has a consensus price target of $35.00, suggesting a potential downside of 2.40%. Given National Bank’s higher possible upside, analysts plainly believe National Bank is more favorable than California First National Bancorp.
Insider & Institutional Ownership
99.0% of National Bank shares are held by institutional investors. 78.5% of California First National Bancorp shares are held by insiders. Comparatively, 5.5% of National Bank shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
National Bank beats California First National Bancorp on 7 of the 13 factors compared between the two stocks.
California First National Bancorp Company Profile
California First National Bancorp operates as the bank holding company for California First National Bank that provides banking services in the United States. The company accepts interest-bearing checking, money market, and savings accounts, as well as certificates of deposit and IRA deposit products. It also provides commercial loan products, including lines of credit, term loans, and commercial mortgages; and syndicated loans. In addition, the company, through its subsidiary, California First Leasing Corp., leases and finances capital assets used by businesses and organizations comprising computer systems and networks, automated warehouse distribution management systems, and manufacturing production systems; retail point-of-sale and inventory tracking systems; telecommunications systems, including wireless networks, voice over Internet protocol systems, and satellite tracking systems; and other equipment, as well as non-electronic properties, such as office equipment, mining equipment, machine tools, school buses, trucks, exercise equipment, and office and dormitory furniture. It serves corporations and middle-market companies, private and state-related educational institutions, municipalities, and other not-for-profit organizations and institutions. California First National Bancorp was founded in 1977 and is headquartered in Irvine, California.
National Bank Company Profile
National Bank Holdings Corporation operates as the bank holding company for NBH Bank, N.A. that provides various banking products and financial services to commercial, business, and consumer clients in the United States. The company offers deposit products, including checking accounts, savings accounts, money market accounts, and other deposit accounts, including fixed-rate and fixed maturity time deposits. It also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases. The company also offers non-owner occupied commercial real estate loans consisting of loans on multi-family construction properties; commercial properties, such as office buildings, retail centers, or free-standing commercial properties; and multi-family and investor properties, as well as raw land development 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. As of December 31, 2017, the company operated through a network of 85 banking centers located in Colorado, the greater Kansas City area, New Mexico, and Texas. It also operates 106 ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
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