BOK Financial (NASDAQ:BOKF) & National Bank of Canada (OTCMKTS:NTIOF) Head-To-Head Contrast

National Bank of Canada (OTCMKTS:NTIOF) and BOK Financial (NASDAQ:BOKF) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, profitability, risk, analyst recommendations, valuation, earnings and institutional ownership.

Volatility and Risk

National Bank of Canada has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500. Comparatively, BOK Financial has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500.

Dividends

National Bank of Canada pays an annual dividend of $3.81 per share and has a dividend yield of 2.6%. BOK Financial pays an annual dividend of $2.52 per share and has a dividend yield of 2.0%. National Bank of Canada pays out 44.1% of its earnings in the form of a dividend. BOK Financial pays out 23.8% 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. BOK Financial has increased its dividend for 20 consecutive years.

Earnings & Valuation

This table compares National Bank of Canada and BOK Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
National Bank of Canada	$21.96 billion	2.53	$2.87 billion	$8.63	16.83
BOK Financial	$3.38 billion	2.26	$577.99 million	$10.61	11.86

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

Profitability

This table compares National Bank of Canada and BOK Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
National Bank of Canada	17.22%	16.67%	0.85%
BOK Financial	19.53%	10.41%	1.18%

Insider and Institutional Ownership

0.1% of National Bank of Canada shares are owned by institutional investors. Comparatively, 34.4% of BOK Financial shares are owned by institutional investors. 0.3% of National Bank of Canada shares are owned by insiders. Comparatively, 63.5% of BOK Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings for National Bank of Canada and BOK Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
National Bank of Canada	0	5	3	0	2.38
BOK Financial	1	9	2	0	2.08

BOK Financial has a consensus price target of $141.27, suggesting a potential upside of 12.27%. Given BOK Financial’s higher probable upside, analysts plainly believe BOK Financial is more favorable than National Bank of Canada.

Summary

National Bank of Canada beats BOK Financial on 9 of the 17 factors compared between the two stocks.

About National Bank of Canada

National Bank of Canada provides financial services to individuals, businesses, institutional clients, and governments in Canada and internationally. It operates through four segments: Personal and Commercial, Wealth Management, Financial Markets, and U.S. Specialty Finance and International. The Personal and Commercial segment offers personal banking services, including transaction solutions, mortgage loans and home equity lines of credit, consumer loans, payment solutions, and savings and investment solutions; various insurance products; and commercial banking services, such as credit, and deposit, investment solutions, international trade, foreign exchange transactions, payroll, cash management, insurance, electronic transactions, and complimentary services. The Wealth Management segment provides full-service brokerage, private banking, direct brokerage, investment solutions, administrative and trade execution, transaction products, and trust and estate services. The Financial Markets segment offers corporate banking, advisory, and capital markets services; and project financing, debt, and equity underwriting; advisory services in the areas of mergers and acquisitions, and financing. The U.S. Specialty Finance and International segment provides specialty finance products; and personal and commercial banking in Cambodia. National Bank of Canada was founded in 1859 and is headquartered in Montreal, Canada.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.