NI (NODK) Competitors

NI (NASDAQ:NODK) and Bowhead Specialty (NYSE:BOW) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, dividends, institutional ownership, media sentiment, profitability and analyst recommendations.

Does the media prefer NODK or BOW?

In the previous week, Bowhead Specialty had 9 more articles in the media than NI. MarketBeat recorded 10 mentions for Bowhead Specialty and 1 mentions for NI. Bowhead Specialty's average media sentiment score of 0.16 beat NI's score of 0.00 indicating that Bowhead Specialty is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
NI	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Bowhead Specialty	3 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	1 Very Negative mention(s)	Neutral

Which has better earnings & valuation, NODK or BOW?

Bowhead Specialty has higher revenue and earnings than NI. Bowhead Specialty is trading at a lower price-to-earnings ratio than NI, 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
NI	$325.20M	0.82	-$6.06M	$0.08	160.38
Bowhead Specialty	$425.66M	2.45	$38.24M	$1.47	21.60

Do institutionals & insiders hold more shares of NODK or BOW?

21.9% of NI shares are held by institutional investors. 1.2% of NI shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Do analysts rate NODK or BOW?

Bowhead Specialty has a consensus target price of $38.33, suggesting a potential upside of 20.71%. Given Bowhead Specialty's stronger consensus rating and higher possible upside, analysts clearly believe Bowhead Specialty is more favorable than NI.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NI	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Bowhead Specialty	0 Sell rating(s)	3 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.63

Is NODK or BOW more profitable?

Bowhead Specialty has a net margin of 10.05% compared to NI's net margin of 0.50%. Bowhead Specialty's return on equity of 13.25% beat NI's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
NI	0.50%	0.63%	0.28%
Bowhead Specialty	10.05%	13.25%	2.94%

Which has more risk and volatility, NODK or BOW?

NI has a beta of 0.33, indicating that its stock price is 67% less volatile than the S&P 500. Comparatively, Bowhead Specialty has a beta of -0.69, indicating that its stock price is 169% less volatile than the S&P 500.

Summary

Bowhead Specialty beats NI on 12 of the 16 factors compared between the two stocks.