National Australia Bank (OTCMKTS:NABZY) and Old Point Financial (NASDAQ:OPOF) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, risk, valuation, institutional ownership, earnings and profitability.
Risk & Volatility
National Australia Bank has a beta of 1.1, suggesting that its share price is 10% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 1.01, suggesting that its share price is 1% more volatile than the S&P 500.
This table compares National Australia Bank and Old Point Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|National Australia Bank||N/A||N/A||N/A|
|Old Point Financial||12.78%||6.90%||0.65%|
Valuation & Earnings
This table compares National Australia Bank and Old Point Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|National Australia Bank||$18.94 billion||3.69||$1.74 billion||N/A||N/A|
|Old Point Financial||$54.71 million||2.24||$5.39 million||$1.39||16.80|
National Australia Bank has higher revenue and earnings than Old Point Financial.
Insider & Institutional Ownership
30.5% of Old Point Financial shares are owned by institutional investors. 17.5% of Old Point Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
National Australia Bank pays an annual dividend of $0.46 per share and has a dividend yield of 4.3%. Old Point Financial pays an annual dividend of $0.52 per share and has a dividend yield of 2.2%. Old Point Financial pays out 37.4% of its earnings in the form of a dividend. Old Point Financial has raised its dividend for 1 consecutive years.
This is a breakdown of recent ratings for National Australia Bank and Old Point Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|National Australia Bank||0||2||0||0||2.00|
|Old Point Financial||0||0||0||0||N/A|
National Australia Bank Company Profile
National Australia Bank Ltd. engages in the provision of banking and financial services. Its services include banking, credit and access card facilities, leasing, housing and general finance, international banking, investment banking, wealth management, funds management and custodian, trustee and nominee services. The company operates through five segments: Consumer Banking & Wealth, Business & Private Banking, Corporate & Institutional Banking, NZ Banking, and Corporate Functions & Other. The Consumer Banking & Wealth segment provides customers with access to independent advisers, including mortgage brokers and the financial planning network of self-employed, aligned and salaried advisers in Australia. The Business & Private Banking focuses on serving customers through NAB Business franchise and specialist services in key segments. The Corporate & Institutional Banking segment provides lending and transactional products and services related to financial and debt capital market, custody and alternative investments. The NZ Banking segment comprises of retail, business, agribusiness, corporate and institutional, and insurance franchises in New Zealand that operates under the Bank of
Old Point Financial Company Profile
Old Point Financial Corp. operates as a bank holding company, which engages in the provision of banking services through its subsidiaries. It also involves in service bank, which offers financial services, from free checking and commercial services to home equity products. The company was founded on February 16, 1984 and is headquartered in Hampton, VA.
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