Financial Institutions (FISI) Competitors

Financial Institutions (NASDAQ:FISI) 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 community ranking, dividends, earnings, risk, profitability, media sentiment, analyst recommendations, institutional ownership and valuation.

Does the MarketBeat Community favor FISI or NBHC?

Financial Institutions received 59 more outperform votes than National Bank when rated by MarketBeat users. Likewise, 58.01% of users gave Financial Institutions an outperform vote while only 54.59% of users gave National Bank an outperform vote.

Company	Underperform	Outperform
Financial Institutions	Outperform Votes 297 58.01%	Underperform Votes 215 41.99%
National Bank	Outperform Votes 238 54.59%	Underperform Votes 198 45.41%

Does the media favor FISI or NBHC?

In the previous week, Financial Institutions and Financial Institutions both had 2 articles in the media. Financial Institutions' average media sentiment score of 1.41 beat National Bank's score of 0.00 indicating that Financial Institutions is being referred to more favorably in the media.

Company	Overall Sentiment
Financial Institutions	Positive
National Bank	Neutral

Which has more risk & volatility, FISI or NBHC?

Financial Institutions has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, National Bank has a beta of 0.86, meaning that its share price is 14% less volatile than the S&P 500.

Is FISI or NBHC a better dividend stock?

Financial Institutions pays an annual dividend of $1.20 per share and has a dividend yield of 4.7%. National Bank pays an annual dividend of $1.16 per share and has a dividend yield of 2.8%. Financial Institutions pays out 37.7% of its earnings in the form of a dividend. National Bank pays out 35.9% 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.

Do analysts rate FISI or NBHC?

Financial Institutions presently has a consensus price target of $30.50, suggesting a potential upside of 18.22%. National Bank has a consensus price target of $51.40, suggesting a potential upside of 22.21%. Given National Bank's higher probable upside, analysts plainly believe National Bank is more favorable than Financial Institutions.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Financial Institutions	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
National Bank	0 Sell rating(s)	4 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.20

Is FISI or NBHC more profitable?

National Bank has a net margin of 20.52% compared to Financial Institutions' net margin of 13.72%. Financial Institutions' return on equity of 11.32% beat National Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Financial Institutions	13.72%	11.32%	0.82%
National Bank	20.52%	9.93%	1.24%

Which has preferable valuation & earnings, FISI or NBHC?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Financial Institutions	$219.35M	1.82	$50.26M	$3.18	8.11
National Bank	$405.51M	3.94	$142.05M	$3.23	13.02

Do institutionals and insiders have more ownership in FISI or NBHC?

60.5% of Financial Institutions shares are owned by institutional investors. Comparatively, 92.7% of National Bank shares are owned by institutional investors. 2.7% of Financial Institutions shares are owned by company insiders. Comparatively, 3.1% of National Bank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

National Bank beats Financial Institutions on 11 of the 18 factors compared between the two stocks.