Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

60.74 

-0.54 -0.9%

as of Aug 23 '19

52 Week Range:

54.37 65.50


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 risk management products and services; and debt and equity underwriting; advisory services in the areas of mergers and acquisitions, and financing. 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 428 branches and 937 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 '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18
Equity (BVPS) 14.85
16.19
17.96
20.48
20.02
22.48
25.12
27.01
28.29
31.03
33.83
growth rate 9.0% 10.9% 14.0% -2.3% 12.3% 11.7% 7.5% 4.7% 9.7% 9.0%
Earnings BIT 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 45.4% 13.8% 17.4% 26.5% -7.1% 299.4% 54.6% 8.3% 32.3%
Avg.PE 9.68
11.42
11.29
10.37
8.28
10.28
10.50
9.68
15.81
11.53
10.21
growth rate 18.0% -1.1% -8.2% -20.2% 24.2% 2.1% -7.8% 63.3% -27.1% -11.5%
ROA 0.61
0.61
0.70
0.75
0.91
0.79
0.73
0.71
0.50
0.78
0.80
growth rate 0.0% 14.8% 7.1% 21.3% -13.2% -7.6% -2.7% -29.6% 56.0% 2.6%
ROE 16.58
15.71
16.88
17.74
23.30
20.67
17.92
16.70
11.65
18.24
18.36
growth rate -5.3% 7.5% 5.1% 31.3% -11.3% -13.3% -6.8% -30.2% 56.6% 0.7%
ROIC 41.10
8.61
7.60
8.61
13.70
33.12
29.00
growth rate -79.1% -11.7% 13.3% 59.1% 141.8% -12.4%
Leverage 27.31
24.52
23.75
23.77
27.55
25.21
24.21
22.67
24.08
22.97
22.77
growth rate -10.2% -3.1% 0.1% 15.9% -8.5% -4.0% -6.4% 6.2% -4.6% -0.9%
Balance Sheet Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18
Acct.Receivable 89,568.00
45,407.00
46,460.00
56,187.00
2,143.00
growth rate -49.3% 2.3% 20.9% -96.2%
Acct.Payable 362,138.00
373,252.00
381,026.00
158,584.00
172,620.00
growth rate 3.1% 2.1% -58.4% 8.9%
Cur.Assets 94,612.00
90,702.00
88,875.00
102,656.00
110,501.00
growth rate -4.1% -2.0% 15.5% 7.6%
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
245,835.00
262,471.00
growth rate 2.2% 17.1% 7.8% 6.6% 5.8% 325.9% -1.8% 3.5% -69.8% 6.8%
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
6,801.00
10,256.00
growth rate -39.1% 7.0% 19.6% 14.0% 10.7% 1,206.6% 15.1% 43.0% -91.2% 50.8%
Cur.Liabilities 156,177.00
162,294.00
198,631.00
203,876.00
222,497.00
growth rate 3.9% 22.4% 2.6% 9.1%
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
232,442.00
248,116.00
growth rate 1.5% 18.0% 8.1% 6.4% 5.5% 305.8% -2.5% 3.7% -68.5% 6.7%
LT Debt 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
9,903.00
7,452.00
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% 12,823.7% 8.5% 4.1% -96.6% -24.8%
Equity 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
10,551.00
11,526.00
growth rate 17.6% -0.6% 0.7% 11.4% 12.8% 770.7% 6.0% 1.2% -86.1% 9.2%
Common Shares 319.00
322.00
327.00
329.00
326.00
327.00
-2,746.00
20.00
20.00
2,768.00
2,822.00
growth rate 0.9% 1.6% 0.6% -0.9% 0.3% -100.0% 100.0% 0.0% 13,740.0% 2.0%
Cash Flow Statement Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18
Capital Expenditures 184.00
228.00
0.00
136.00
176.00
146.00
992.00
1,373.00
1,276.00
94.00
233.00
growth rate 23.9% -100.0% 29.4% -17.1% 579.5% 38.4% -7.1% -92.6% 147.9%
Cash Dividends 509.00
429.00
393.00
490.00
528.00
581.00
904.00
1,455.00
1,746.00
846.00
918.00
growth rate -15.7% -8.4% 24.7% 7.8% 10.0% 55.6% 61.0% 20.0% -51.6% 8.5%
Cash From OA -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
-13,084.00
-8,295.00
growth rate 0.0% 0.0% 100.0% -6.4% -64.5% 57.4% -100.0% 100.0% -100.0% 0.0%
FCF per Share -5.40
-7.92
2.20
17.42
5.56
7.87
7.69
16.45
21.41
10.98
9.59
growth rate 0.0% 100.0% 691.8% -68.1% 41.6% -2.3% 113.9% 30.2% -48.7% -12.7%
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 -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
1,253.00
5,444.00
growth rate 0.0% 0.0% 100.0% -68.4% -77.0% 835.3% 17.6% 12.7% -75.8% 334.5%
Income Statement Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18
Sales 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
6,365.00
6,839.00
growth rate 13.6% 3.8% 8.8% 13.9% -2.8% 563.9% 2.6% -1.5% -81.6% 7.5%
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
2,508.00
2,776.00
growth rate 45.9% -100.0% 24.8% -7.3% 97.6% 136.6% 4.2% -71.7% 10.7%
IBT 798.00
1,164.00
1,323.00
1,571.00
1,960.00
3,591.00
8,495.00
8,848.00
2,508.00
2,776.00
growth rate 45.9% 13.7% 18.8% 24.8% 35.4% 136.6% 4.2% -71.7% 10.7%
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
1,940.00
2,145.00
growth rate 10.1% -100.0% 27.5% -5.3% 134.4% 76.7% -2.4% -67.6% 10.6%
EPS 2.33
2.47
2.97
3.46
4.66
4.31
4.32
4.51
3.29
5.38
5.94
growth rate 6.0% 20.2% 16.5% 34.7% -7.5% 0.2% 4.4% -27.1% 63.5% 10.4%
Gross Profit 34,275.00
35,155.00
34,631.00
6,365.00
6,839.00
growth rate 2.6% -1.5% -81.6% 7.5%

Quarterly Statements

Item Name Apr '18 Jul '18 Oct '18 Jan '19 Apr '19
Earnings BIT
growth rate
Balance Sheet Apr '18 Jul '18 Oct '18 Jan '19 Apr '19
Acct.Receivable 1,575.00
2,143.00
2,318.00
1,741.00
growth rate 36.1% 8.2% -24.9%
Acct.Payable 168,229.00
172,620.00
174,323.00
180,866.00
growth rate 2.6% 1.0% 3.8%
Cur.Assets 111,048.00
108,619.00
110,501.00
110,353.00
114,254.00
growth rate -2.2% 1.7% -0.1% 3.5%
Total Assets 257,637.00
262,471.00
263,355.00
269,106.00
growth rate 1.9% 0.3% 2.2%
Cash 8,837.00
10,256.00
9,553.00
7,198.00
growth rate 16.1% -6.9% -24.7%
Cur.Liabilities 213,212.00
216,242.00
222,497.00
221,395.00
227,879.00
growth rate 1.4% 2.9% -0.5% 2.9%
Liabilities 243,383.00
248,116.00
248,840.00
254,371.00
growth rate 1.9% 0.3% 2.2%
LT Debt 9,202.00
7,452.00
8,045.00
7,599.00
growth rate -19.0% 8.0% -5.5%
Equity 11,441.00
11,526.00
11,693.00
11,892.00
growth rate 0.7% 1.5% 1.7%
Common Shares 2,825.00
2,822.00
2,880.00
2,901.00
growth rate -0.1% 2.1% 0.7%
Cash Flow Statement Apr '18 Jul '18 Oct '18 Jan '19 Apr '19
Capital Expenditures 65.00
52.00
31.00
30.00
growth rate -20.0% -40.4% -3.2%
Cash Dividends 230.00
236.00
241.00
247.00
growth rate 2.6% 2.1% 2.5%
Cash From OA 399.00
-3,588.00
-982.00
-8,388.00
growth rate -100.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF 334.00
-3,640.00
-1,013.00
-8,418.00
growth rate -100.0% 0.0% 0.0%
Income Statement Apr '18 Jul '18 Oct '18 Jan '19 Apr '19
Sales 1,716.00
1,741.00
1,711.00
1,686.00
growth rate 1.5% -1.7% -1.5%
Op.Income 705.00
705.00
685.00
660.00
growth rate 0.0% -2.8% -3.7%
IBT 705.00
705.00
685.00
660.00
growth rate 0.0% -2.8% -3.7%
Net Income 546.00
550.00
536.00
539.00
growth rate 0.7% -2.6% 0.6%
EPS
growth rate
Gross Profit 1,716.00
1,741.00
1,711.00
1,686.00
growth rate 1.5% -1.7% -1.5%

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 (36.27)

YOY Growth Grade:

D (38.46)

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 10.09 10.04 9.31
EPS / Growth 6.5% 6.05 11.5%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 6.3% 6.3%
Future PE 2.00 10.68 10.68
Future EPS 6.68 11.17 11.17
Value Price
MOS %
3.30
-94.6%
29.48
-51.5%
29.48
-51.5%
MOS Price 1.65 14.74 14.74
IRT 9.52 7.63 7.63

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

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.