Eastern Virginia Bankshares (NASDAQ: EVBS) and National Bank (NYSE:NBHC) are both financials companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, dividends, earnings, institutional ownership, analyst recommendations and risk.
This is a summary of recent ratings and recommmendations for Eastern Virginia Bankshares and National Bank, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Eastern Virginia Bankshares||0||1||0||0||2.00|
Eastern Virginia Bankshares pays an annual dividend of $0.12 per share and has a dividend yield of 1.1%. National Bank pays an annual dividend of $0.36 per share and has a dividend yield of 1.1%. Eastern Virginia Bankshares pays out 38.7% of its earnings in the form of a dividend. National Bank pays out 28.8% 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.
Institutional and Insider Ownership
44.2% of Eastern Virginia Bankshares shares are owned by institutional investors. Comparatively, 95.7% of National Bank shares are owned by institutional investors. 4.8% of Eastern Virginia Bankshares shares are owned by company insiders. Comparatively, 7.6% of National Bank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Earnings & Valuation
This table compares Eastern Virginia Bankshares and National Bank’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Eastern Virginia Bankshares||N/A||N/A||N/A||$0.31||35.52|
|National Bank||$200.48 million||4.43||$23.06 million||$1.25||26.46|
National Bank has higher revenue and earnings than Eastern Virginia Bankshares. National Bank is trading at a lower price-to-earnings ratio than Eastern Virginia Bankshares, indicating that it is currently the more affordable of the two stocks.
This table compares Eastern Virginia Bankshares and National Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Eastern Virginia Bankshares||13.18%||4.20%||0.50%|
National Bank beats Eastern Virginia Bankshares on 11 of the 12 factors compared between the two stocks.
About Eastern Virginia Bankshares
Eastern Virginia Bankshares, Inc. is a bank holding company. The Company operates through its bank subsidiary, EVB (the Bank). EVB is a community bank focusing on small to medium-sized businesses and consumers in its coastal plain markets and the emerging suburbs outside of the Richmond, Tidewater, and southern Virginia areas. The Company provides general commercial financial services to customers located in the geographic areas of its retail branch network. It provides a range of personal and commercial banking services, including commercial, consumer and real estate loans. Its investment securities include agency residential mortgage-backed securities, agency commercial mortgage-backed securities, and state and political subdivisions. The Company offers a range of retail and commercial deposit products and fee-based services. Its deposits include demand deposits, savings and money market accounts, and time deposits.
About National Bank
National Bank Holdings Corporation (NBH) is a bank holding company. Through Bank Midwest, N.A. (Bank Midwest), NBH’s primary business is to offer a range of products and financial services to both its commercial and consumer customers, located in Kansas, Missouri and Colorado. The Company offers an array of lending products to cater to the customers’ needs, including, but not limited to, small business loans, equipment loans, term loans, asset-backed loans, letters of credit, commercial lines of credit, residential mortgage loans, home equity and consumer loans. It also offers traditional depository products, including commercial and consumer checking accounts, non-interest-bearing demand accounts, money market deposit accounts, savings accounts and time deposit accounts and cash management services. As of December 31, 2011, it operated a network of 103 full-service banking centers, with the majority of those banking centers located in the Kansas City region and Colorado.
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