Comparing National Bank (NYSE:NBHC) & California International Bank, N.A. (OTCMKTS:CAIB)

National Bank (NYSE:NBHC) and California International Bank, N.A. (OTCMKTS:CAIB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, institutional ownership, profitability and earnings.

Analyst Ratings

This is a breakdown of current recommendations for National Bank and California International Bank, N.A., as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
National Bank	0	4	1	0	2.20
California International Bank, N.A.	0	0	0	0	0.00

National Bank presently has a consensus target price of $51.40, indicating a potential upside of 20.11%. Given National Bank’s stronger consensus rating and higher probable upside, research analysts plainly believe National Bank is more favorable than California International Bank, N.A..

Institutional and Insider Ownership

92.7% of National Bank shares are held by institutional investors. 3.1% of National Bank shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares National Bank and California International Bank, N.A.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
National Bank	19.82%	9.85%	1.24%
California International Bank, N.A.	N/A	N/A	N/A

Risk & Volatility

National Bank has a beta of 0.86, meaning that its share price is 14% less volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -0.79, meaning that its share price is 179% less volatile than the S&P 500.

Valuation and Earnings

This table compares National Bank and California International Bank, N.A.”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
National Bank	$599.50 million	2.71	$142.05 million	$3.09	13.85
California International Bank, N.A.	$4.85 million	1.72	N/A	N/A	N/A

National Bank has higher revenue and earnings than California International Bank, N.A..

Summary

National Bank beats California International Bank, N.A. on 11 of the 11 factors compared between the two stocks.

About National Bank

National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, and other deposit accounts, including fixed-rate and fixed maturity time deposits. The company also provides commercial and industrial loans and leases, such as working capital loans, equipment loans, lender finance loans, food and agriculture loans, government and non-profit loans, owner occupied commercial real estate loans, and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, multi-family, hospitality, and retail buildings; small business administration loans to support small businesses and entrepreneurs; term loans, line of credits, and real estate secured loans; residential real estate loans; and consumer 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. The company operates through a network of banking centers located in Colorado, the greater Kansas City region, New Mexico, Utah, Wyoming, Idaho, and Texas. It also operates ATMs. The company was formerly known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. The company was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.