Komercní banka, a.s. (OTCMKTS:KMERF) & QNB (OTCMKTS:QNBC) Head to Head Contrast

Dividends

QNB pays an annual dividend of $1.56 per share and has a dividend yield of 3.6%. Komercní banka, a.s. pays an annual dividend of $230.00 per share and has a dividend yield of 487.0%. QNB pays out 46.3% of its earnings in the form of a dividend. Komercní banka, a.s. pays out 69.2% 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.

Insider and Institutional Ownership

0.7% of QNB shares are held by institutional investors. Comparatively, 14.3% of Komercní banka, a.s. shares are held by institutional investors. 13.0% of QNB shares are held 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.

Profitability

This table compares QNB and Komercní banka, a.s.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
QNB	12.40%	18.12%	1.19%
Komercní banka, a.s.	N/A	N/A	N/A

Earnings and Valuation

This table compares QNB and Komercní banka, a.s.”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
QNB	$99.60 million	2.20	$14.09 million	$3.37	13.04
Komercní banka, a.s.	N/A	N/A	N/A	$332.46	0.14

QNB has higher revenue and earnings than Komercní banka, a.s.. Komercní banka, a.s. is trading at a lower price-to-earnings ratio than QNB, indicating that it is currently the more affordable of the two stocks.

Summary

QNB beats Komercní banka, a.s. on 7 of the 10 factors compared between the two stocks.

About QNB

QNB Corp. operates as the bank holding company for QNB Bank that engages in the provision of commercial and retail banking products, and retail brokerage services. It offers various deposit products, which include demand and savings accounts, such as money market, interest-bearing demand, club, traditional statement savings, and online savings accounts; and time deposits comprising certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans, commercial and residential real estate loans, construction and land development loans, indirect lease financing, 1-4 family residential mortgage loans, home equity loans and lines of credit, and consumer loans. In addition, it offers retail brokerage and advisory services; credit cards and insurance products; merchant services; ATM and debit card services; and internet and mobile-banking, electronic bill pay, and remote deposit capture services. The company serves other community banks, thrift institutions, credit unions and other non-bank financial organizations, such as mutual fund companies, insurance companies, and brokerage companies. QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.

About Komercní banka, a.s.

Komercní banka, a.s., together with its subsidiaries, provides various retail, corporate, and investment banking services primarily in the Czech Republic, and Central and Eastern Europe. The company operates through Retail Banking, Corporate Banking, and Investment Banking segments. It accepts various deposits, such as current and savings accounts, term deposits, building savings, and foreign currency accounts. The company's loan products include optimal, personal, student, and home equity/secured loans; loans for start-up businesses, business loans, business operating loans, and revolving loans; operational, installment, claims, and structured finance, as well as finances for acquisitions and mergers; and mortgage loans. It also offers payment, debit, and credit cards; investment products; private banking services; syndicated and export financing services; life, travel and card, and property insurance products; pension products; overdraft, trade and export, bond issuance, cash and payment, cash pooling, bills of exchange, financial instruments trading, leases, foreign currency and derivative, and guarantee transaction services. In addition, the company provides e-banking, telephone, and mobile banking services. It serves individuals, small businesses, corporates, and municipalities. The company was founded in 1990 and is headquartered in Prague, the Czech Republic. Komercní banka, a.s. operates as a subsidiary of Société Générale Société anonyme.