| Company Name: | National Bank of Canada | | Ticker Symbol: | NA | | | WWW Address: | www.nbc.ca | | CEO: | Louis Vachon | | No. of Employees: | 14,420 | | Common Issue Type: | CS | | Business Description: | Provides comprehensive financial services to consumers, small and medium-sized enterprises, and large corporations and has branches in every province in Canada. It is also represented in the U.S. and Europe through its subsidiaries and alliances.
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| | | Industry Information: | BANKING - Money Center Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 63.5 |  0.0 | 63.46 | 63.5 | 63.4 | 63.69 | 62.80 | 133998 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 10,217.2 | 160.9 | 0.57 | 4.67 | 2.46 | 16.2 | 3.9 | 63.69 - 24.25 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 63.50 | $ | | PE Ratio - LTM | 16.2 | |
| Market Capitalisation | 10,198.3 | mil |
| Latest Shares Outstanding | 160.9 | mil |
| Earnings pS (EPS) | 4.67 | $ |
| Dividend pS (DPS) | 2.46 | ¢ |
| Dividend Yield | 3.9 | % |
| Dividend Payout Ratio | 53 | % |
| Revenue per Employee | 418,239 | $ |
| Effective Tax Rate | 20.9 | % |
| Float | 0.0 | mil |
| Float as % of Shares Outstanding | 0.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 43.2 | % |
| Pre-Tax Profit Margin | 14.8 | % |
| Assets Turnover | 0.0 | % |
| Return on Assets (ROA) | 0.5 | % |
| Return on Equity (ROE) | 13.1 | % |
| Return on Capital Invested (ROCI) | 8.2 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 25.8 | |
| Interest Cover | 1.6 | |
| Total Debt/Equity (Gearing Ratio) | 3.40 | |
| LT Debt/Total Capital | 24.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 32.44 | $ |
| Tangible Book-Value pS | 26.71 | $ |
| Cash Flow pS | 3.90 | $ |
| Free Cash Flow pS | -19.03 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.96 | |
| Price/Tangible Book Ratio | 2.38 | |
| Price/Cash Flow | 16.3 | |
| Price/Free Cash Flow | -3.3 | |
| P/E as % of Industry Group | 83.0 | % |
| P/E as % of Sector Segment | 82.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 08/27/2009 |
| Dividend Ex-Date | 09/21/2009 |
| Dividend Record Date | 09/23/2009 |
| Dividend Pay Date | 10/31/2009 |
| Dividend Amount | 620 |
| Type of Payment | Cash Payment |
| Dividend Rate | 2.48 |
| Current Dividend Yield | 3.9 |
| 5-Y Average Dividend Yield | 3.9 |
| Payout Ratio | 53.0 |
| 5-Y Average Payout Ratio | 45.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.4 | 101 | 4,796 | 7,674 |
| 4 Weeks | 63.69 | 56.06 | 56.39 | 12.6 | 106 | 4,843 | 77,484 |
| 13 Weeks | 63.69 | 56.00 | 59.65 | 6.5 | 101 | 5,882 | 347,035 |
| 26 Weeks | 63.69 | 51.09 | 51.17 | 24.1 | 111 | 6,691 | 816,332 |
| 52 Weeks | 63.69 | 24.25 | 41.25 | 53.9 | 123 | 8,348 | 2,053,692 |
| YTD | 63.69 | 30.40 | - | 102.9 | 157 | 7,895 | 1,776,305 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 62.22 | 61.09 | 59.19 | 56.14 | 51.35 | 0.57 | 0.59 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 3.78 | 21.6 | -5.47 |
| Income | -1.27 | 2.0 | -5.06 |
| Dividend | 12.88 | 97.0 | 9.60 |
| Capital Spending | 25.70 | NA | 34.24 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.28 | NA | -2.41 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -16.4 | -12.0 | -15.1 |
| Earnings % | -13.2 | 5.9 | 43.4 |
| EPS % | -17.4 | 2.9 | 45.0 |
| EPS $ | -0.75 | 0.05 | 1.45 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -52.35 |
| Free Cash Flow Margin 5YEAR AVG | -54.99 |
| Cash-Flow pS | -9.79 |
| Free Cash-Flow pS | -13.98 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 23.48 |
| Debt Ratio | 95.74 |
| Total Debt/Equity (Gearing Ratio) | 0.41 |
| LT Debt/Equity | 0.41 |
| LT Debt/Capital Invested | 29.04 |
| LT Debt/Total Liabilities | 1.82 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.30 |
| Tobin's Q Ratio | 0.08 |
| Current P/E Ratio - LTM | 16.20 |
| Enterprise Value (EV)/EBITDA | 0.04 |
| Enterprise Value (EV)/Free Cash Flow | 13.82 |
| Dividend Yield | 3.9 |
| Price/Tangible Book Ratio - LTM | 2.38 |
| Price/Book Ratio - LTM | 1.96 |
| Price/Cash Flow Ratio | 16.3 |
| Price/Free Cash Flow Ratio - LTM | -3.3 |
| P/E Ratio (1 month ago) - LTM | 15.1 |
| P/E Ratio (26 weeks ago) - LTM | 14.8 |
| P/E Ratio (52 weeks ago) - LTM | 12.8 |
| 5-Y High P/E Ratio | 20.7 |
| 5-Y Low P/E Ratio | 8.1 |
| 5-Y Average P/E Ratio | 12.5 |
| Current P/E Ratio as % of 5-Y Average P/E | 129 |
| P/E as % of Industry Group | 83.0 |
| P/E as % of Sector Segment | 82.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 14.8 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 26.71 |
| Book Value pS - LTM | 32.44 |
| Capital Invested pS | 48.24 |
| Cash Flow pS - LTM | 3.90 |
| Free Cash Flow pS - LTM | -19.03 |
| Earnings pS (EPS) | 4.67 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 16.39 |
| Return on Equity (ROE) - 5YEAR AVRG. | 17.6 |
| Return on Capital Invested (ROCI) | 9.99 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 11.9 |
| Return on Assets (ROA) | 0.60 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.7 |
| EBIT Margin - LTM | 41.9 |
| EBITDA Margin - LTM | 43.2 |
| Pre-Tax Profit Margin | 46.35 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 71.53 |
| Net Profit Margin | 41.63 |
| Net Profit Margin - 5YEAR AVRG. | 53.79 |
| Effective Tax Rate | 19.33 |
| Effective Tax Rate - 5YEAR AVRG. | 21.77 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 361,928 |
| Net Income per Employee - LTM | 47,365 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 7,985.68 |
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