Financial Institutions (FISI) Competitors

Financial Institutions (NASDAQ:FISI) and National Bank (NYSE:NBHC) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, valuation, community ranking, media sentiment, dividends, risk, profitability and institutional ownership.

Do institutionals & 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, 3.3% of National Bank shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Which has more volatility & risk, FISI or NBHC?

Financial Institutions has a beta of 0.92, suggesting that its stock price is 8% less volatile than the S&P 500. Comparatively, National Bank has a beta of 0.84, suggesting that its stock price is 16% less volatile than the S&P 500.

Does the media refer more to FISI or NBHC?

In the previous week, National Bank had 2 more articles in the media than Financial Institutions. MarketBeat recorded 6 mentions for National Bank and 4 mentions for Financial Institutions. National Bank's average media sentiment score of 0.78 beat Financial Institutions' score of 0.49 indicating that National Bank is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Financial Institutions	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
National Bank	3 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer FISI or NBHC?

Financial Institutions currently has a consensus price target of $30.50, indicating a potential upside of 11.35%. National Bank has a consensus price target of $51.40, indicating a potential upside of 17.97%. Given National Bank's higher possible 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

Which has preferable valuation and 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	1.93	$50.26M	$3.18	8.61
National Bank	$405.51M	4.08	$142.05M	$3.23	13.49

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 4.4%. National Bank pays an annual dividend of $1.16 per share and has a dividend yield of 2.7%. 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. Financial Institutions has raised its dividend for 13 consecutive years. Financial Institutions is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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%

Does the MarketBeat Community believe in 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%

Summary

National Bank beats Financial Institutions on 13 of the 20 factors compared between the two stocks.