Analyzing National Bank (NYSE:NBHC) and PT Bank Negara Indonesia (Persero) Tbk (OTCMKTS:PTBRY)

PT Bank Negara Indonesia (Persero) Tbk (OTCMKTS:PTBRY) and National Bank (NYSE:NBHC) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, earnings, analyst recommendations, valuation, profitability and risk.

Valuation & Earnings

This table compares PT Bank Negara Indonesia (Persero) Tbk and National Bank”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PT Bank Negara Indonesia (Persero) Tbk	N/A	N/A	N/A	N/A	N/A
National Bank	$587.34 million	3.13	$109.57 million	$2.38	17.33

National Bank has higher revenue and earnings than PT Bank Negara Indonesia (Persero) Tbk.

Institutional and Insider Ownership

92.7% of National Bank shares are held by institutional investors. 6.8% of National Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and target prices for PT Bank Negara Indonesia (Persero) Tbk and National Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PT Bank Negara Indonesia (Persero) Tbk	1	0	0	0	1.00
National Bank	0	3	4	0	2.57

National Bank has a consensus price target of $46.80, indicating a potential upside of 13.48%. Given National Bank’s stronger consensus rating and higher possible upside, analysts clearly believe National Bank is more favorable than PT Bank Negara Indonesia (Persero) Tbk.

Profitability

This table compares PT Bank Negara Indonesia (Persero) Tbk and National Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
PT Bank Negara Indonesia (Persero) Tbk	N/A	N/A	N/A
National Bank	15.11%	8.35%	1.13%

Summary

National Bank beats PT Bank Negara Indonesia (Persero) Tbk on 9 of the 9 factors compared between the two stocks.

About PT Bank Negara Indonesia (Persero) Tbk

PT Bank Negara Indonesia (Persero) Tbk, together with its subsidiaries, provides various banking products and services in Indonesia, New York, Europe, and Asia. It operates through, Corporate & International Banking, Institutional Banking, Enterprise & commercial Banking, Consumer Banking, Treasury, Head Offices, and Subsidiaries segments. The company offers savings account, savings plan and FIPF, loans, credit cards, simulation services, and others; and business banking, funding, lending, international trade financing, financial institution products, smart remittances, foreign direct investment, treasury products, and Solusi wholesale services, as well as services for micro small and medium enterprises. It also provides e-banking services, that includes ATM, phone banking, SMS notification, SMS banking, mobile banking, mobile services, BNI ipay, BNI Smartpay, BNI Agen46, BNI EDC, BNI debit online, internet payment gateway, open digital savings account, and QRIS, as well as wealth management services. In addition, the company offers life insurance, financing, securities, and venture capital services. PT Bank Negara Indonesia (Persero) Tbk was founded in 1946 and is headquartered in Jakarta Pusat, Indonesia.

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.