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Market Price

65.30 

0.33 0.5%

as of Aug 16 '18 16:00

52 Week Range:

54.58 65.68


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

National Bank of Canada provides various financial products and services to retail, commercial, corporate, and institutional clients in Canada and internationally. It operates through Personal and Commercial, Wealth Management, Financial Markets, and U.S. Specialty Finance and International segments. The Personal and Commercial segment offers personal banking services, including transaction solutions, mortgage loans and home equity lines of credit, consumer loans, payment solutions, savings options, and tailored investment solutions; various insurance products; and commercial banking services, such as credit, and deposit and investment solutions, as well as international trade, foreign exchange transactions, payroll, cash management, insurance, electronic transactions, and complementary services. The Wealth Management segment provides investment solutions, trust services, banking services, lending services, and other wealth management solutions through internal and third-party distribution networks. The Financial Markets segment offers debt and equity underwriting; bank credit and risk management products and services; advisory services in the areas of mergers and acquisitions, and financing; and investment banking services comprising origination, underwriting, distribution, and liquidity services through secondary market activities, as well as macroeconomic and issuer-focused research services. The U.S. Specialty Finance and International segments provides specialty finance expertise; financial products and services to individuals and businesses in Cambodia; and the activities of targeted investments in certain emerging markets. The company provides its services through a network of 429 branches and 931 banking machines. The company was founded in 1859 and is headquartered in Montreal, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Equity (BVPS) 13.42
14.85
16.19
17.96
20.48
20.02
22.48
25.12
27.01
28.29
31.03
growth rate 10.7% 9.0% 10.9% 14.0% -2.3% 12.3% 11.7% 7.5% 4.7% 9.7%
Earnings BIT 688.00
798.00
1,160.00
1,320.00
1,550.00
1,960.00
1,820.00
7,269.00
11,237.00
12,166.00
16,100.00
growth rate 16.0% 45.4% 13.8% 17.4% 26.5% -7.1% 299.4% 54.6% 8.3% 32.3%
Avg.PE 16.95
9.68
11.42
11.29
10.37
8.28
10.28
10.50
9.68
15.81
11.53
growth rate -42.9% 18.0% -1.1% -8.2% -20.2% 24.2% 2.1% -7.8% 63.3% -27.1%
ROA 0.45
0.61
0.61
0.70
0.75
0.91
0.79
0.73
0.71
0.50
0.78
growth rate 35.6% 0.0% 14.8% 7.1% 21.3% -13.2% -7.6% -2.7% -29.6% 56.0%
ROE 12.06
16.58
15.71
16.88
17.74
23.30
20.67
17.92
16.70
11.65
18.24
growth rate 37.5% -5.3% 7.5% 5.1% 31.3% -11.3% -13.3% -6.8% -30.2% 56.6%
ROIC 64.73
41.10
8.61
7.60
8.61
13.70
33.12
29.00
growth rate -36.5% -79.1% -11.7% 13.3% 59.1% 141.8% -12.4%
Leverage 26.69
27.31
24.52
23.75
23.77
27.55
25.21
24.21
22.67
24.08
22.97
growth rate 2.3% -10.2% -3.1% 0.1% 15.9% -8.5% -4.0% -6.4% 6.2% -4.6%
Balance Sheet Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Acct.Receivable 89,568.00
45,407.00
46,460.00
56,187.00
growth rate -49.3% 2.3% 20.9%
Acct.Payable 362,138.00
373,252.00
381,026.00
383,020.00
growth rate 3.1% 2.1% 0.5%
Cur.Assets 94,612.00
90,702.00
88,875.00
95,270.00
growth rate -4.1% -2.0% 7.2%
Total Assets 129,332.00
132,138.00
154,748.00
166,854.00
177,903.00
188,204.00
801,510.00
787,465.00
814,949.00
851,733.00
growth rate 2.2% 17.1% 7.8% 6.6% 5.8% 325.9% -1.8% 3.5% 4.5%
Cash 3,660.00
2,228.00
2,384.00
2,851.00
3,249.00
3,596.00
46,984.00
54,083.00
77,360.00
80,395.00
growth rate -39.1% 7.0% 19.6% 14.0% 10.7% 1,206.6% 15.1% 43.0% 3.9%
Cur.Liabilities 156,177.00
162,294.00
198,631.00
203,760.00
growth rate 3.9% 22.4% 2.6%
Liabilities 123,823.00
125,661.00
148,309.00
160,373.00
170,683.00
180,061.00
730,610.00
712,283.00
738,899.00
774,342.00
growth rate 1.5% 18.0% 8.1% 6.4% 5.5% 305.8% -2.5% 3.7% 4.8%
LT Debt 1,610.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
260,153.00
282,223.00
293,910.00
323,877.00
growth rate 24.7% 0.1% 0.1% 0.1% 0.1% 0.1% 12,823.7% 8.5% 4.1% 10.2%
Equity 4,637.00
5,509.00
6,477.00
6,439.00
6,481.00
7,220.00
8,143.00
70,900.00
75,182.00
76,050.00
77,391.00
growth rate 18.8% 17.6% -0.6% 0.7% 11.4% 12.8% 770.7% 6.0% 1.2% 1.8%
Common Shares 322.00
319.00
322.00
327.00
329.00
326.00
327.00
-2,746.00
20.00
20.00
20.00
growth rate -0.9% 0.9% 1.6% 0.6% -0.9% 0.3% -100.0% 100.0% 0.0% 0.0%
Cash Flow Statement Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Capital Expenditures 0.00
184.00
228.00
0.00
136.00
176.00
146.00
992.00
1,373.00
1,276.00
1,629.00
growth rate 23.9% -100.0% 29.4% -17.1% 579.5% 38.4% -7.1% 27.7%
Cash Dividends 372.00
509.00
429.00
393.00
490.00
528.00
581.00
904.00
1,455.00
1,746.00
2,085.00
growth rate 36.8% -15.7% -8.4% 24.7% 7.8% 10.0% 55.6% 61.0% 20.0% 19.4%
Cash From OA 2,621.00
-1,536.00
-369.00
-5,468.00
2,077.00
1,944.00
690.00
1,086.00
-4,463.00
5,383.00
-4,505.00
growth rate -100.0% 0.0% 0.0% 100.0% -6.4% -64.5% 57.4% -100.0% 100.0% -100.0%
FCF per Share 7.78
-5.40
-7.92
2.20
17.42
5.56
7.87
7.69
16.45
21.41
10.98
growth rate -100.0% 0.0% 100.0% 691.8% -68.1% 41.6% -2.3% 113.9% 30.2% -48.7%
Sale Purchase of Stock 1,214.00
-1,316.00
-4,149.00
-3,381.00
growth rate -100.0% 0.0% 0.0%
FCF 2,507.00
-1,720.00
-597.00
-5,703.00
5,723.00
1,810.00
417.00
3,900.00
4,588.00
5,170.00
1,159.00
growth rate -100.0% 0.0% 0.0% 100.0% -68.4% -77.0% 835.3% 17.6% 12.7% -77.6%
Income Statement Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Sales 3,420.00
3,637.00
4,131.00
4,289.00
4,666.00
5,313.00
5,163.00
34,275.00
35,155.00
34,631.00
37,945.00
growth rate 6.4% 13.6% 3.8% 8.8% 13.9% -2.8% 563.9% 2.6% -1.5% 9.6%
Op.Income 798.00
1,164.00
0.00
1,571.00
1,960.00
1,817.00
3,591.00
8,495.00
8,848.00
10,403.00
growth rate 45.9% -100.0% 24.8% -7.3% 97.6% 136.6% 4.2% 17.6%
IBT 798.00
1,164.00
1,323.00
1,571.00
1,960.00
3,591.00
8,495.00
8,848.00
10,403.00
growth rate 45.9% 13.7% 18.8% 24.8% 35.4% 136.6% 4.2% 17.6%
Net Income 776.00
854.00
0.00
1,224.00
1,561.00
1,479.00
3,467.00
6,127.00
5,979.00
6,111.00
growth rate 10.1% -100.0% 27.5% -5.3% 134.4% 76.7% -2.4% 2.2%
EPS 1.61
2.33
2.47
2.97
3.46
4.66
4.31
4.32
4.51
3.29
5.38
growth rate 44.7% 6.0% 20.2% 16.5% 34.7% -7.5% 0.2% 4.4% -27.1% 63.5%
Gross Profit 34,275.00
35,155.00
34,631.00
37,945.00
growth rate 2.6% -1.5% 9.6%

Quarterly Statements

Item Name Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Earnings BIT 5,305.00
5,305.00
5,305.00
5,305.00
growth rate 0.0% 0.0% 0.0%
Balance Sheet Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Acct.Receivable 3,002.00
2,868.00
1,508.00
1,595.00
growth rate -4.5% -47.4% 5.8%
Acct.Payable 152,448.00
153,861.00
158,145.00
166,250.00
growth rate 0.9% 2.8% 5.1%
Cur.Assets 92,427.00
91,207.00
95,270.00
109,653.00
111,048.00
growth rate -1.3% 4.5% 15.1% 1.3%
Total Assets 239,020.00
240,072.00
251,065.00
256,259.00
growth rate 0.4% 4.6% 2.1%
Cash 7,870.00
8,662.00
8,705.00
8,948.00
growth rate 10.1% 0.5% 2.8%
Cur.Liabilities 202,381.00
206,351.00
203,760.00
209,715.00
213,212.00
growth rate 2.0% -1.3% 2.9% 1.7%
Liabilities 226,337.00
226,700.00
237,357.00
242,251.00
growth rate 0.2% 4.7% 2.1%
LT Debt 5,346.00
2,427.00
10,431.00
11,406.00
growth rate -54.6% 329.8% 9.4%
Equity 10,235.00
10,536.00
10,808.00
11,077.00
growth rate 2.9% 2.6% 2.5%
Common Shares 2,793.00
2,816.00
2,861.00
2,868.00
growth rate 0.8% 1.6% 0.2%
Cash Flow Statement Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Capital Expenditures 18.00
21.00
95.00
21.00
growth rate 16.7% 352.4% -77.9%
Cash Dividends 210.00
210.00
225.00
225.00
growth rate 0.0% 7.1% 0.0%
Cash From OA -4,949.00
76.00
3,574.00
3,574.00
growth rate 100.0% 4,602.6% 0.0%
Sale Purchase of Stock 27.00
30.00
97.00
97.00
growth rate 11.1% 223.3% 0.0%
FCF -4,967.00
55.00
3,479.00
3,553.00
growth rate 100.0% 6,225.5% 2.1%
Income Statement Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Sales 1,541.00
1,617.00
1,719.00
1,719.00
growth rate 4.9% 6.3% 0.0%
Op.Income 600.00
646.00
695.00
695.00
growth rate 7.7% 7.6% 0.0%
IBT 600.00
646.00
695.00
695.00
growth rate 7.7% 7.6% 0.0%
Net Income 462.00
494.00
527.00
527.00
growth rate 6.9% 6.7% 0.0%
EPS
growth rate
Gross Profit 1,541.00
1,617.00
1,719.00
1,719.00
growth rate 4.9% 6.3% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (44.16)

YOY Growth Grade:

D (40.15)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.38 11.54 10.16
EPS / Growth 6.5% 5.66 11.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 33.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.5% 17.3% 17.3%
Future PE 10.16 10.97 18.71
Future EPS 10.57 27.89 27.89
Value Price
MOS %
26.55
-59.3%
75.64
15.8%
128.95
97.5%
MOS Price 13.28 37.82 64.48
IRT 8.47 6.22 6.22

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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