National Bank (NYSE:NBHC) vs. California International Bank, N.A. (OTCMKTS:CAIB) Financial Review

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

Profitability

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

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

Valuation and Earnings

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

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

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

Institutional and Insider Ownership

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

Risk and Volatility

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

Analyst Ratings

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

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

National Bank has a consensus price target of $51.40, suggesting a potential upside of 20.11%. Given National Bank’s stronger consensus rating and higher possible upside, analysts plainly believe National Bank is more favorable 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 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.

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.