National Bank (NYSE:NBHC) and Camden National (NYSE:CAC) Head to Head Contrast

National Bank (NYSE:NBHC) and Camden National (NASDAQ:CAC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, profitability, analyst recommendations, risk, institutional ownership and dividends.

Valuation and Earnings

This table compares National Bank and Camden National’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
National Bank $292.17 million 3.78 $61.45 million $2.16 16.44
Camden National $189.55 million 3.66 $53.07 million $3.39 13.28

National Bank has higher revenue and earnings than Camden National. Camden National is trading at a lower price-to-earnings ratio than National Bank, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares National Bank and Camden National’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
National Bank 24.51% 10.78% 1.34%
Camden National 27.02% 12.40% 1.28%

Volatility & Risk

National Bank has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500. Comparatively, Camden National has a beta of 0.77, meaning that its stock price is 23% less volatile than the S&P 500.

Insider & Institutional Ownership

94.2% of National Bank shares are owned by institutional investors. Comparatively, 67.4% of Camden National shares are owned by institutional investors. 5.5% of National Bank shares are owned by company insiders. Comparatively, 2.0% of Camden National shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Dividends

National Bank pays an annual dividend of $0.76 per share and has a dividend yield of 2.1%. Camden National pays an annual dividend of $1.20 per share and has a dividend yield of 2.7%. National Bank pays out 35.2% of its earnings in the form of a dividend. Camden National pays out 35.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Analyst Ratings

This is a breakdown of current ratings for National Bank and Camden National, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
National Bank 0 2 0 0 2.00
Camden National 0 0 0 0 N/A

National Bank currently has a consensus price target of $35.00, suggesting a potential downside of 1.44%. Given National Bank’s higher probable upside, equities analysts plainly believe National Bank is more favorable than Camden National.

Summary

National Bank beats Camden National on 10 of the 14 factors compared between the two stocks.

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.

Camden National Company Profile

Camden National Corporation operates as the holding company for Camden National Bank that provides commercial and consumer banking products and services to consumer, institutional, municipal, non-profit, and commercial customers. It offers various deposit products, including demand, checking, saving, and money market accounts; and time deposits, as well as certificates of deposit. The company also originates single family and multi-family residential loans, commercial real estate loans, business loans, municipal loans, and various consumer loans, as well as loans for the construction of residential homes, multi-family properties, and commercial real estate properties; and commercial lending to the small business medical field, including dentists, optometrists, and veterinarians. As of December 31, 2018, the Bank had 60 branches in 16 counties; 71 ATMs; commercial loan production offices in Manchester and Portsmouth, New Hampshire; and a mortgage loan production office in Braintree, Massachusetts. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of investment management, financial planning, fiduciary, asset management, and wealth management services, as well as serves as trustee. The company was founded in 1875 and is headquartered in Camden, Maine.

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