NATIONAL BANK HOLD-CL A (NBHC) Stock Fundamental Analysis
USA - NYSE:NBHC - US6337071046 - Common Stock
37.2 USD
-0.3 (-0.8%)
37.2 USD
0 (0%)
Overall NBHC gets a fundamental rating of 4 out of 10. We evaluated NBHC against 390 industry peers in the Banks industry. NBHC may be in some trouble as it scores bad on both profitability and health. NBHC is not valued too expensively and it also shows a decent growth rate. Finally NBHC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NBHC had positive earnings in the past year.
NBHC had a positive operating cash flow in the past year.
Each year in the past 5 years NBHC has been profitable.
Of the past 5 years NBHC 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of NBHC (1.19%) is better than 77.44% of its industry peers.
NBHC's Return On Equity of 8.79% is in line compared to the rest of the industry. NBHC outperforms 52.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.79% | ||
| ROIC | N/A |
ROA(3y)1.13%
ROA(5y)1.2%
ROE(3y)9.09%
ROE(5y)9.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NBHC has a better Profit Margin (28.73%) than 77.18% of its industry peers.
In the last couple of years the Profit Margin of NBHC has remained more or less at the same level.
NBHC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.73% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.49%
PM growth 5Y0.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NBHC has been increased compared to 1 year ago.
Compared to 5 years ago, NBHC has more shares outstanding
Compared to 1 year ago, NBHC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of NBHC is 0.55, which is an excellent value as it means it would take NBHC, only 0.55 years of fcf income to pay off all of its debts.
NBHC has a Debt to FCF ratio of 0.55. This is amongst the best in the industry. NBHC outperforms 81.03% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that NBHC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.05, NBHC is in the better half of the industry, outperforming 79.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.10% over the past year.
NBHC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.78% yearly.
Looking at the last year, NBHC shows a decrease in Revenue. The Revenue has decreased by -4.52% in the last year.
Measured over the past years, NBHC shows a small growth in Revenue. The Revenue has been growing by 7.10% on average per year.
EPS 1Y (TTM)3.1%
EPS 3Y2.5%
EPS 5Y4.78%
EPS Q2Q%11.63%
Revenue 1Y (TTM)-4.52%
Revenue growth 3Y10.98%
Revenue growth 5Y7.1%
Sales Q2Q%0.96%
3.2 Future
The Earnings Per Share is expected to grow by 9.41% on average over the next years. This is quite good.
The Revenue is expected to grow by 11.63% on average over the next years. This is quite good.
EPS Next Y1.76%
EPS Next 2Y7.81%
EPS Next 3Y9.41%
EPS Next 5YN/A
Revenue Next Year1.51%
Revenue Next 2Y12.08%
Revenue Next 3Y11.63%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.17 indicates a reasonable valuation of NBHC.
Compared to the rest of the industry, the Price/Earnings ratio of NBHC is on the same level as its industry peers.
NBHC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.
NBHC is valuated reasonably with a Price/Forward Earnings ratio of 9.94.
NBHC's Price/Forward Earnings ratio is in line with the industry average.
NBHC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NBHC is valued a bit cheaper than the industry average as 62.56% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)6.34
PEG (5Y)2.34
EPS Next 2Y7.81%
EPS Next 3Y9.41%
5. Dividend
5.1 Amount
NBHC has a Yearly Dividend Yield of 3.20%.
NBHC's Dividend Yield is comparable with the industry average which is at 3.50.
NBHC's Dividend Yield is a higher than the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
5.2 History
The dividend of NBHC is nicely growing with an annual growth rate of 8.36%!
NBHC has paid a dividend for at least 10 years, which is a reliable track record.
NBHC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.36%
Div Incr Years9
Div Non Decr Years12
5.3 Sustainability
37.65% of the earnings are spent on dividend by NBHC. This is a low number and sustainable payout ratio.
The dividend of NBHC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP37.65%
EPS Next 2Y7.81%
EPS Next 3Y9.41%
37.2
-0.3 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners99.84%
Inst Owner Change2.9%
Ins Owners2.18%
Ins Owner Change0.37%
Market Cap1.41B
Revenue(TTM)406.62M
Net Income(TTM)118.88M
Analysts78
Price Target45.9 (23.39%)
Short Float %1.63%
Short Ratio1.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
Yearly Dividend1.13
Dividend Growth(5Y)8.36%
DP37.65%
Div Incr Years9
Div Non Decr Years12
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.49%
Min EPS beat(2)-18.19%
Max EPS beat(2)9.21%
EPS beat(4)3
Avg EPS beat(4)3.74%
Min EPS beat(4)-18.19%
Max EPS beat(4)13.02%
EPS beat(8)6
Avg EPS beat(8)2.69%
EPS beat(12)9
Avg EPS beat(12)4.58%
EPS beat(16)12
Avg EPS beat(16)4.83%
Revenue beat(2)0
Avg Revenue beat(2)-7.03%
Min Revenue beat(2)-7.18%
Max Revenue beat(2)-6.88%
Revenue beat(4)2
Avg Revenue beat(4)-3.14%
Min Revenue beat(4)-7.18%
Max Revenue beat(4)1.1%
Revenue beat(8)3
Avg Revenue beat(8)-2.49%
Revenue beat(12)4
Avg Revenue beat(12)-2.04%
Revenue beat(16)6
Avg Revenue beat(16)-1.7%
PT rev (1m)2.86%
PT rev (3m)9.09%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)10.39%
EPS NY rev (1m)0.14%
EPS NY rev (3m)7.72%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-3.94%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)-3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 9.94 | ||
| P/S | 3.4 | ||
| P/FCF | 10.53 | ||
| P/OCF | 8.51 | ||
| P/B | 1.04 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.33
EY8.95%
EPS(NY)3.74
Fwd EY10.06%
FCF(TTM)3.53
FCFY9.5%
OCF(TTM)4.37
OCFY11.74%
SpS10.94
BVpS35.76
TBVpS26.28
PEG (NY)6.34
PEG (5Y)2.34
Graham Number51.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.73% | ||
| GM | N/A | ||
| FCFM | 32.29% |
ROA(3y)1.13%
ROA(5y)1.2%
ROE(3y)9.09%
ROE(5y)9.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.49%
PM growth 5Y0.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 129.31% | ||
| Cap/Sales | 7.64% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC16.49%
ROIC/WACCN/A
Cap/Depr(3y)124.34%
Cap/Depr(5y)N/A
Cap/Sales(3y)6.96%
Cap/Sales(5y)N/A
Profit Quality(3y)159.33%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.1%
EPS 3Y2.5%
EPS 5Y4.78%
EPS Q2Q%11.63%
EPS Next Y1.76%
EPS Next 2Y7.81%
EPS Next 3Y9.41%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.52%
Revenue growth 3Y10.98%
Revenue growth 5Y7.1%
Sales Q2Q%0.96%
Revenue Next Year1.51%
Revenue Next 2Y12.08%
Revenue Next 3Y11.63%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.42%
FCF growth 3Y-12.4%
FCF growth 5Y29.61%
OCF growth 1Y2.25%
OCF growth 3Y-4.72%
OCF growth 5Y28.57%
NATIONAL BANK HOLD-CL A / NBHC FAQ
Can you provide the ChartMill fundamental rating for NATIONAL BANK HOLD-CL A?
ChartMill assigns a fundamental rating of 4 / 10 to NBHC.
What is the valuation status for NBHC stock?
ChartMill assigns a valuation rating of 4 / 10 to NATIONAL BANK HOLD-CL A (NBHC). This can be considered as Fairly Valued.
How profitable is NATIONAL BANK HOLD-CL A (NBHC) stock?
NATIONAL BANK HOLD-CL A (NBHC) has a profitability rating of 3 / 10.
What is the expected EPS growth for NATIONAL BANK HOLD-CL A (NBHC) stock?
The Earnings per Share (EPS) of NATIONAL BANK HOLD-CL A (NBHC) is expected to grow by 1.76% in the next year.
Is the dividend of NATIONAL BANK HOLD-CL A sustainable?
The dividend rating of NATIONAL BANK HOLD-CL A (NBHC) is 7 / 10 and the dividend payout ratio is 37.65%.