Peoples Financial Services (NASDAQ:PFIS) and National Bank (NYSE:NBHC) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, earnings and institutional ownership.
This table compares Peoples Financial Services and National Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Peoples Financial Services||22.20%||8.76%||1.06%|
Peoples Financial Services pays an annual dividend of $1.32 per share and has a dividend yield of 3.0%. National Bank pays an annual dividend of $0.68 per share and has a dividend yield of 2.1%. National Bank pays out 54.0% of its earnings in the form of a dividend. Peoples Financial Services has increased its dividend for 2 consecutive years and National Bank has increased its dividend for 3 consecutive years.
Valuation & Earnings
This table compares Peoples Financial Services and National Bank’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Peoples Financial Services||$91.43 million||3.56||$18.45 million||N/A||N/A|
|National Bank||$203.63 million||4.92||$14.57 million||$1.26||25.83|
Peoples Financial Services has higher earnings, but lower revenue than National Bank.
Volatility and Risk
Peoples Financial Services has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500. Comparatively, National Bank has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500.
Insider & Institutional Ownership
24.2% of Peoples Financial Services shares are held by institutional investors. Comparatively, 92.7% of National Bank shares are held by institutional investors. 7.7% of Peoples Financial Services shares are held by insiders. Comparatively, 6.4% of National Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This is a summary of recent recommendations and price targets for Peoples Financial Services and National Bank, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Peoples Financial Services||0||0||0||0||N/A|
National Bank has a consensus target price of $39.75, suggesting a potential upside of 22.16%. Given National Bank’s higher probable upside, analysts plainly believe National Bank is more favorable than Peoples Financial Services.
National Bank beats Peoples Financial Services on 10 of the 15 factors compared between the two stocks.
Peoples Financial Services Company Profile
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides financial services. The company accepts money market, NOW, savings, individual retirement, and demand deposit accounts, as well as certificates of deposit. Its loan products include residential real estate, automobile, manufactured housing, personal, student, home equity, and credit card loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. The company also offers investment management, IRA trustee, estate administration, living and life insurance trusts, trustee under will, guardianship, custodial/IRA custodial, and corporate trusts services, as well as pension and profit sharing plans. In addition, it provides investment portfolio management, estate and business succession planning, annuities, insurance, education funding strategies, and tax planning; and securities and brokerage, and investor services. Further, the company offers small business checking accounts, merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services. Additionally, it provides remote deposit capture, cash management, night depository, and direct deposit, and official check services, as well as automatic clearing house transactions, automated teller machines, point of sale transactions, and safe deposit boxes. The company serves business, governmental, professional, and retail customers, as well as non-profits and municipal agencies through 27 full-service community banking offices located in Lackawanna, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, Wayne, and Wyoming Counties of Pennsylvania; and Broome County of New York. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.
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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