This report should not be construed as providing investment advice. It is for educational purposes only. Before making any investment decision, you should always do your own research or consult a investment professional.
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Estimates Estimates Estimates
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National Bank of Canada TSX: NA OTC: NTIOF www.nbc.ca Fiscal Yr: Oct 31
Year 10/31/05 10/31/06 10/31/07 10/31/08 10/31/09 10/31/10 10/31/11 10/31/12 10/31/13 10/31/14 10/31/15 10/30/16 10/30/17 10/30/18 10/30/19 Value Description #Y Item
Accounting Rules C GAAP C GAAP C GAAP C GAAP C GAAP IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS
Interest Income $3,054 $3,922 $4,810 $4,259 $3,196 $2,899 $3,375 $4,127 $4,410 $4,596 $4,542 $4,875 24.30% <-Total Growth 10 Interest Income
Other Income $2,266 $2,511 $2,296 $1,785 $2,165 $2,371 $2,641 $2,975 $2,714 $2,920 $3,103 $2,884 14.85% <-Total Growth 10 Other Income
Total $5,320 $6,433 $7,106 $6,044 $5,361 $5,270 $6,016 $7,102 $7,124 $7,516 $7,645 $7,759 20.61% <-Total Growth 10 Total
Revenue* $3,703 $3,845 $3,423 $3,637 $4,131 $4,278 $4,592 $5,313 $5,163 $5,464 $5,746 $5,840 $6,561 $6,804 $7,056 51.89% <-Total Growth 10 Revenue
Increase 4.34% 3.83% -10.98% 6.25% 13.58% 3.56% 7.34% 15.70% -2.82% 5.83% 5.16% 1.64% 12.35% 3.70% 3.70% 4.27% <-IRR #YR-> 10 Revenue
5 year Running Average $3,354 $3,497 $3,576 $3,631 $3,748 $3,863 $4,012 $4,390 $4,695 $4,962 $5,256 $5,505 $5,755 $6,083 $6,401 4.93% <-IRR #YR-> 5 Revenue
Revenue per Share $11.20 $11.90 $10.85 $11.41 $12.81 $13.14 $14.31 $16.47 $15.84 $16.59 $17.04 $17.28 $19.41 $20.13 $20.87 4.64% <-IRR #YR-> 10 5 yr Running Average
Increase 5.66% 6.29% -8.88% 5.16% 12.35% 2.56% 8.88% 15.10% -3.83% 4.76% 2.69% 1.39% 12.35% 3.70% 3.70% 6.53% <-IRR #YR-> 5 5 yr Running Average
5 year Running Average $9.59 $10.32 $10.83 $11.19 $11.63 $12.02 $12.50 $13.63 $14.51 $15.27 $16.05 $16.64 $17.23 $18.09 $18.94 3.80% <-IRR #YR-> 10 Revenue per Share
P/S (Price/Sales) Med 2.41 2.54 2.71 2.11 1.77 2.32 2.56 2.19 2.57 2.88 2.81 2.44 3.84% <-IRR #YR-> 5 Revenue per Share
P/S (Price/Sales) Close 2.64 2.57 2.52 1.98 2.20 2.55 2.49 2.34 2.86 3.17 2.54 2.77 2.85 2.75 2.65 4.89% <-IRR #YR-> 10 5 yr Running Average
*Total Revenue in M CDN $ P/S 10 yr 2.53 5 yr 2.77 12.75% Diff M/C 5.89% <-IRR #YR-> 5 5 yr Running Average
-$3,845 $0 $0 $0 $0 $0 $0 $0 $0 $0 $5,840
-$4,592 $0 $0 $0 $0 $5,840
-$3,497 $0 $0 $0 $0 $0 $0 $0 $0 $0 $5,505
-$4,012 $0 $0 $0 $0 $5,505
-$11.90 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $17.28
-$14.31 $0.00 $0.00 $0.00 $0.00 $17.28
-$10.32 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $16.64
-$12.50 $0.00 $0.00 $0.00 $0.00 $16.64
EPS Basic $2.49 $2.61 $1.63 $2.35 $2.48 $3.00 $3.47 $4.70 $4.44 $4.36 $4.56 $3.31 26.82% <-Total Growth 10 EPS Basic
EPS Diluted* $2.45 $2.57 $1.61 $2.34 $2.47 $2.97 $3.43 $4.66 $4.40 $4.32 $4.51 $3.29 $5.05 $5.35 $5.56 28.27% <-Total Growth 10 EPS Diluted
Increase 20.99% 4.69% -37.23% 45.03% 5.78% 20.24% 15.32% 36.06% -5.58% -1.82% 4.40% -27.05% 53.50% 5.94% 3.93% 2.52% <-IRR #YR-> 10 Earnings per Share
Earnings Yield 8.3% 8.4% 5.9% 10.3% 8.8% 8.8% 9.6% 12.1% 9.7% 8.2% 10.4% 6.9% 9.1% 9.7% 10.0% -0.80% <-IRR #YR-> 5 Earnings per Share
5 year Running Average $1.73 $1.96 $2.06 $2.20 $2.29 $2.39 $2.56 $3.17 $3.59 $3.96 $4.26 $4.24 $4.31 $4.50 $4.75 8.01% <-IRR #YR-> 10 5 yr Running Average
10 year Running Average $1.36 $1.53 $1.60 $1.75 $1.89 $2.06 $2.26 $2.62 $2.89 $3.12 $3.33 $3.40 $3.74 $4.04 $4.35 10.58% <-IRR #YR-> 5 5 yr Running Average
* Diluted ESP per share E/P 10 Yrs 9.24% 5Yrs 9.73%
-$2.57 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.29
-$3.43 $0.00 $0.00 $0.00 $0.00 $3.29
-$1.96 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $4.24
-$2.56 $0.00 $0.00 $0.00 $0.00 $4.24
Pre-split 2014
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 0.00% <-Median-> 10 Special Dividends
Pre-split 2014 $1.66 $1.90 $2.18 $2.46 $2.48 $2.48 $2.65 $3.00 $3.32
Dividend* $0.83 $0.95 $1.09 $1.23 $1.24 $1.24 $1.33 $1.50 $1.66 $1.84 $2.00 $2.15 $2.24 $2.24 $2.24 126.32% <-Total Growth 10 Dividends
Increase 25.76% 14.46% 14.74% 12.84% 0.81% 0.00% 6.85% 13.21% 10.67% 10.54% 8.99% 7.50% 4.19% 0.00% 0.00% Count 29 Years of data
Dividends 5 Yr Running $0.57 $0.68 $0.81 $0.95 $1.07 $1.15 $1.23 $1.31 $1.39 $1.51 $1.66 $1.83 $1.98 $2.09 $2.17 167.40% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 3.07% 3.14% 3.71% 5.11% 5.48% 4.06% 3.62% 4.16% 4.08% 3.84% 4.17% 5.10% 4.37% 4.12% <-Median-> 10 Dividends
Yield on High Price 2.70% 2.93% 3.30% 4.55% 4.02% 3.69% 3.25% 3.73% 3.67% 3.41% 3.63% 4.52% 4.03% 3.68% <-Median-> 10 Dividends
Yield on Low Price 3.57% 3.38% 4.24% 5.82% 8.59% 4.51% 4.09% 4.70% 4.59% 4.41% 4.91% 5.84% 4.78% 4.64% <-Median-> 10 Dividends
Yield on Close Price 2.81% 3.10% 3.99% 5.44% 4.40% 3.69% 3.73% 3.89% 3.67% 3.48% 4.62% 4.49% 4.04% 4.04% 4.04% 3.94% <-Median-> 10 Dividends
Payout Ratio EPS 33.88% 37.04% 67.70% 52.68% 50.20% 41.75% 38.69% 32.19% 37.73% 42.48% 44.35% 65.35% 44.36% 41.87% 40.29% 43.41% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running 33.28% 34.90% 39.34% 43.33% 46.72% 48.12% 47.81% 41.20% 38.86% 38.23% 39.03% 43.18% 45.83% 46.47% 45.75% 42.19% <-Median-> 10 DPR EPS 5 Yr Running
Payout Ratio CFPS -4.90% -12.77% 13.10% -25.26% -108.34% -7.37% 7.10% 22.23% 78.42% 14.57% 10.58% 13.37% 19.82% 19.15% 39.23% 11.84% <-Median-> 10 DPR CF
DPR CF 5 Yr Running -9.39% -8.38% -14.12% -23.69% -24.18% -26.19% 147.43% 253.09% 72.79% 32.44% 14.09% 16.20% 16.20% 14.83% 17.06% 15.15% <-Median-> 10 DPR CF 5 Yr Running
Payout Ratio CFPS WC 36.26% 35.19% 31.39% 40.65% 51.32% 42.63% 36.44% 29.53% 29.86% 33.72% 34.39% 42.48% 19.82% 19.15% 39.23% 35.42% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 17.88% 29.11% 32.14% 34.82% 38.41% 39.59% 39.62% 38.29% 35.54% 33.41% 32.59% 33.92% 29.79% 26.62% 27.46% 35.18% <-Median-> 10 DPR CF WC 5 Yr Running
Median Values 5 Yr Med 5 Yr Cl 4.16% 3.89% 5 Yr Med Payout 42.48% 14.57% 33.72% 8.51% <-IRR #YR-> 10 Dividends
* Dividends per share 5 Yr and Cur. -2.76% 4.06% Last Div Inc ---> $0.55 $0.56 1.82% 10.17% <-IRR #YR-> 5 Dividends
-$0.95 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.15
-$1.33 $0.00 $0.00 $0.00 $0.00 $2.15
Historical Dividends Historical High Div 9.49% Low Div 2.59% Ave Div 6.04% Med Div 3.94% Close Div 3.81% Historical Dividends
High/Ave/Median Values Curr diff Exp. -57.38% Cheap 56.17% Exp. -33.03% Cheap 2.66% Cheap 6.18% High/Ave/Median
Future Dividend Yield Div Yd $0.07 earning in 5 Years at IRR of 10.00% Div Inc. 61.05% Future Dividend Yield
Future Dividend Yield Div Yd 10.49% earning in 10 Years at IRR of 10.00% Div Inc. 159.37% Future Dividend Yield
Future Dividend Yield Div Yd 16.90% earning in 15 Years at IRR of 10.00% Div Inc. 317.72% Future Dividend Yield
Yield if held 5 yrs 7.88% 7.11% 7.40% 6.90% 5.58% 4.59% 4.38% 5.10% 6.90% 8.11% 6.55% 5.88% 6.21% 5.50% 4.69% 6.21% <-Median-> 10 Paid Median Price
Yield if held 10 yrs 16.35% 15.65% 13.01% 9.34% 11.43% 11.77% 9.92% 10.18% 9.31% 8.25% 7.41% 7.10% 7.62% 9.31% 9.89% 9.63% <-Median-> 10 Paid Median Price
Yield if held 15 yrs 15.71% 20.67% 21.66% 27.33% 24.95% 24.42% 21.83% 17.91% 12.61% 16.91% 18.98% 16.09% 15.21% 12.56% 10.07% 20.32% <-Median-> 10 Paid Median Price
Yield if held 20 yrs 23.01% 18.98% 23.47% 28.84% 29.81% 36.89% 36.92% 39.39% 35.42% 26.75% 17.02% 20.65% 29.81% <-Median-> 9 Paid Median Price
Yield if held 25 yrs 31.06% 28.09% 37.86% 46.79% 44.51% 49.78% 45.07% 34.46% <-Median-> 4 Paid Median Price
Yield if held 30 yrs 41.91% 34.29% #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 27.24% 25.59% 27.56% 26.69% 24.01% 21.30% 20.23% 22.23% 28.94% 33.39% 27.25% 25.00% 27.41% 25.70% 22.77% 25.84% <-Median-> 10 Paid Median Price
Cost covered if held 10 years 86.90% 84.51% 70.99% 52.08% 71.43% 81.80% 71.43% 71.93% 65.73% 58.01% 52.13% 50.44% 55.85% 72.41% 81.40% 68.36% <-Median-> 10 Paid Median Price
Cost covered if held 15 years 109.09% 137.38% 140.14% 179.61% 183.55% 200.15% 185.42% 149.01% 105.00% 141.11% 160.76% 139.87% 139.04% 124.40% 106.89% 154.89% <-Median-> 10 Paid Median Price
Cost covered if held 20 years 183.21% 163.38% 217.94% 270.67% 270.00% 334.39% 335.66% 364.01% 336.08% 267.04% 184.50% 241.29% 270.67% <-Median-> 9 Paid Median Price
Cost covered if held 25 years 313.52% 279.10% 375.44% 469.70% 466.42% 566.94% 554.38% 344.48% <-Median-> 4 Paid Median Price
Cost covered if held 30 years 509.31% 445.50% #NUM! <-Median-> 0 Paid Median Price
Graham No. $26.45 $28.00 $22.05 $27.93 $28.61 $35.44 $39.73 $45.81 $47.62 $50.04 $53.55 $45.95 $56.93 $58.59 $59.73 64.11% <-Total Growth 10 Graham Price
Price/GP Ratio Med 1.02 1.08 1.33 0.86 0.79 0.86 0.92 0.79 0.86 0.95 0.89 0.92 0.90 0.88 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 1.16 1.16 1.50 0.97 1.08 0.95 1.02 0.88 0.95 1.08 1.03 1.04 0.98 1.03 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 0.88 1.00 1.17 0.76 0.50 0.78 0.82 0.70 0.76 0.83 0.76 0.80 0.82 0.77 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 1.12 1.09 1.24 0.81 0.99 0.95 0.90 0.84 0.95 1.05 0.81 1.04 0.97 0.95 0.93 0.95 <-Median-> 10 Price/GP Ratio
Prem/Disc Close 11.79% 9.38% 23.91% -19.07% -1.45% -5.29% -10.47% -15.77% -4.99% 5.27% -19.13% 4.20% -2.72% -5.49% -7.29% -5.14% <-Median-> 10 Graham Price
Month, Year Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Month, Year
Pre-split 2014 $60.32 $65.84 $52.29 $31.30 $60.24 $68.52 $68.52 $77.24 $88.39
Price Close $30.16 $32.92 $26.15 $15.65 $30.12 $34.26 $34.26 $38.62 $44.20 $49.44 $40.31 $54.53 $55.38 $55.38 $55.38 65.64% <-Total Growth 10 Stock Price
Increase 21.71% 9.15% -20.58% -40.14% 92.46% 13.75% 0.00% 12.73% 14.44% 11.87% -18.47% 35.28% 1.56% 0.00% 0.00% 5.18% <-IRR #YR-> 10 Stock Price
P/E 12.31 12.83 16.24 6.70 12.19 11.54 10.00 8.29 10.04 11.44 8.94 16.57 10.97 10.35 9.96 9.74% <-IRR #YR-> 5 Stock Price
Trailing P/E 14.89 13.44 10.19 9.72 12.90 13.87 11.54 11.28 9.48 11.24 9.33 12.09 16.83 10.97 10.35 7.62% <-IRR #YR-> 10 Price & Dividend
Median 10, 5 Yrs D. per yr 2.45% 1.81% % Tot Ret 32.10% 15.65% Price Inc 12.73% P/E: 10.74 10.04 11.55% <-IRR #YR-> 5 Price & Dividend
-$32.92 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $54.53
-$34.26 $0.00 $0.00 $0.00 $0.00 $54.53
-$32.92 $1.09 $1.23 $1.24 $1.24 $1.33 $1.50 $1.66 $1.84 $2.00 $50.03
-$34.26 $1.50 $1.66 $1.84 $2.00 $50.03
Month, Year Oct-05 Oct-06 Oct-07 Oct-08 Oct-09 Oct-10 Oct-11 Oct-12 Oct-13 Oct-14 Oct-15 Oct-16 Oct-17 Oct-18 Oct-19 Month, Year
Pre-split 2014 $59.14 $61.25 $54.65 $45.21 $56.39 $67.13 $71.14 $77.18 $90.48
Price Close $29.57 $30.63 $27.33 $22.61 $28.20 $33.57 $35.57 $38.59 $45.24 $52.68 $43.31 $47.88 $55.38 $55.38 $55.38 56.34% <-Total Growth 10 Stock Price
Increase 214.91% 3.57% -10.78% -17.27% 24.73% 19.05% 5.97% 8.49% 17.23% 16.45% -17.79% 10.55% 15.66% 0.00% 0.00% 4.57% <-IRR #YR-> 10 Stock Price
P/E 12.07 11.94 16.97 9.68 11.41 11.30 10.39 8.28 10.28 12.19 9.60 14.55 10.97 10.35 9.96 6.12% <-IRR #YR-> 5 Stock Price
Trailing P/E 14.60 12.50 10.65 14.04 12.07 13.59 11.98 11.27 9.71 11.97 10.03 10.62 16.83 10.97 10.35 8.53% <-IRR #YR-> 10 Price & Dividend
Median 10, 5 Yrs D. per yr 3.96% 4.52% % Tot Ret 46.42% 42.47% Price Inc 10.55% P/E: 10.84 10.28 10.65% <-IRR #YR-> 5 Price & Dividend
-$30.63 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $47.88
-$35.57 $0.00 $0.00 $0.00 $0.00 $47.88
-$30.63 $1.09 $1.23 $1.24 $1.24 $1.33 $1.50 $1.66 $1.84 $2.00 $50.03
-$35.57 $1.50 $1.66 $1.84 $2.00 $50.03
Price H/L Median $26.99 $30.27 $29.40 $24.07 $22.64 $30.53 $36.58 $36.06 $40.72 $47.74 $47.91 $42.19 $51.24 39.35% <-Total Growth 10 Stock Price
Increase 21.38% 12.15% -2.88% -18.13% -5.94% 34.86% 19.79% -1.40% 12.91% 17.25% 0.35% -11.94% 21.45% 3.37% <-IRR #YR-> 10 Stock Price
P/E 11.02 11.80 18.26 10.31 9.17 10.28 10.68 7.74 9.25 11.05 10.62 12.82 10.15 2.90% <-IRR #YR-> 5 Stock Price
Trailing P/E 13.33 12.36 11.46 14.95 9.70 12.36 12.31 10.53 8.74 10.85 11.09 9.35 15.57 7.59% <-IRR #YR-> 10 Price & Dividend
P/E on Run. 5 yr Ave 15.65 15.45 14.24 10.96 9.90 12.78 14.28 11.37 11.36 12.07 11.24 9.96 11.88 7.57% <-IRR #YR-> 5 Price & Dividend
P/E on Run. 10 yr Ave 19.81 19.76 18.36 13.75 12.00 14.84 16.18 13.77 14.08 15.30 14.40 12.41 13.69 10.05 P/E Ratio Historical Median
Median 10, 5 Yrs D. per yr 4.21% 4.68% % Tot Ret 55.53% 61.77% Price Inc 0.35% P/E: 10.47 10.62
-$30.27 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $42.19
-$36.58 $0.00 $0.00 $0.00 $0.00 $42.19
-$30.27 $1.09 $1.23 $1.24 $1.24 $1.33 $1.50 $1.66 $1.84 $2.00 $44.34
-$36.58 $1.50 $1.66 $1.84 $2.00 $44.34
High Months Sep 05 Mar 06 Nov 06 May 08 Sep 09 Oct 10 May 11 Mar 12 Oct 13 Sep 14 Nov 14 Aug 16 Nov 16
Pre-split 2014 $61.47 $64.95 $66.16 $54.03 $61.70 $67.13 $81.44 $80.43 $90.48
Price High $30.74 $32.48 $33.08 $27.02 $30.85 $33.57 $40.72 $40.22 $45.24 $53.88 $55.06 $47.58 $55.64 46.51% <-Total Growth 10 Stock Price
Increase 26.01% 5.66% 1.86% -18.33% 14.20% 8.80% 21.32% -1.24% 12.50% 19.10% 2.19% -13.59% 16.94% 3.89% <-IRR #YR-> 10 Stock Price
P/E 12.54 12.66 20.55 11.57 12.49 11.30 11.89 8.63 10.28 12.47 12.21 14.46 11.02 3.16% <-IRR #YR-> 5 Stock Price
Trailing P/E 15.18 13.26 12.90 16.78 13.21 13.59 13.71 11.74 9.71 12.25 12.75 10.55 16.91 11.88 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 2.19% P/E: 12.05 12.21 13.17 P/E Ratio Historical High
-$32.48 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $47.58
-$40.72 $0.00 $0.00 $0.00 $0.00 $47.58
Low Months Nov 04 Jul 06 Oct 07 Oct 08 Nov 08 Jul 10 Nov 10 Nov 11 Apr 13 Feb 14 Aug 15 Jan 16 Jan 16
Price Low $23.25 $28.07 $25.72 $21.13 $14.43 $27.50 $32.43 $31.91 $36.20 $41.60 $40.75 $36.79 $46.83 31.07% <-Total Growth 10 Stock Price
Increase 15.76% 20.73% -8.37% -17.87% -31.69% 90.58% 17.93% -1.60% 13.43% 14.93% -2.04% -9.72% 27.29% 2.74% <-IRR #YR-> 10 Stock Price
P/E 9.49 10.94 15.98 9.05 5.84 9.26 9.47 6.85 8.23 9.63 9.04 11.18 9.27 2.55% <-IRR #YR-> 5 Stock Price
Trailing P/E 11.48 11.46 10.03 13.12 6.18 11.13 10.92 9.32 7.77 9.45 9.43 8.16 14.23 8.71 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc -1.60% P/E: 9.15 9.04 6.77 P/E Ratio Historical Low
-$28.07 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $36.79
Long Term Debt $128,830 $139,907 Deposits Debt
Debt/Market Cap Ratio 8.82 8.64 8.73 <-Median-> 2 Debt/Market Cap Ratio
Goodwill & Intangibles $840 $860 $872 $1,124 $1,143 $1,224 $1,609 $1,841 $1,962 $2,270 $2,336 $2,552 Intangibles Goodwill
Intangible/Market Cap Ratio 0.09 0.09 0.10 0.16 0.13 0.11 0.14 0.15 0.13 0.13 0.16 0.16 0.14 <-Median-> 10 Intangible/Market Cap Ratio
Market Cap $9,778 $9,893 $8,624 $7,209 $9,090 $10,927 $11,416 $12,450 $14,747 $17,347 $14,606 $16,186 $18,721 $18,721 $18,721 63.62% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 337.928 331.098 322.380 318.510 321.802 326.674 328.510 325.746 327.048 331.086 333.139 339.895 2.66% <-Total Growth 10 Diluted
Change -2.49% -2.02% -2.63% -1.20% 1.03% 1.51% 0.56% -0.84% 0.40% 1.23% 0.62% 2.03% 0.26% <-IRR #YR-> 10 Diluted
xxxx 0.68% <-IRR #YR-> 5 Diluted
Average # of Shares in Million 332.764 325.702 319.622 317.326 320.526 324.108 324.850 322.774 324.468 327.463 329.709 337.460 3.61% <-Total Growth 10 Average
Change -2.66% -2.12% -1.87% -0.72% 1.01% 1.12% 0.23% -0.64% 0.52% 0.92% 0.69% 2.35% 0.61% <-Median-> 10 Change
Difference -0.6% -0.8% -1.3% 0.5% 0.6% 0.4% -1.2% 0.0% 0.5% 0.6% 2.3% 0.2% 0.45% <-Median-> 10 Difference
# of Share in Millions 330.670 323.025 315.613 318.894 322.402 325.544 320.949 322.617 325.983 329.297 337.236 338.053 338.053 338.053 338.053 0.46% <-IRR #YR-> 10 Shares
Change -1.25% -2.31% -2.29% 1.04% 1.10% 0.97% -1.41% 0.52% 1.04% 1.02% 2.41% 0.24% 0.00% 0.00% 0.00% 1.04% <-IRR #YR-> 5 Shares
CF fr Op $M -$5,604 -$2,403 $2,626 -$1,553 -$369 -$5,477 $5,993 $2,177 $690 $4,147 $6,375 $5,438 $3,820 $3,955 $1,930 326.30% <-Total Growth 10 Cash Flow
Increase -2087% 57.12% 209.28% -159.14% 76.24% -1384% 209.42% -63.67% -68.31% 501.01% 53.73% -14.70% -29.75% 3.54% -51.20% SO, S. Issues Buy Backs
5 year Running Average -$2,068.8 -$2,763.0 -$1,964.4 -$1,330.4 -$1,460.6 -$1,435.2 $244.0 $154.2 $602.8 $1,506.0 $3,876.4 $3,765.4 $4,094.0 $4,747.0 $4,303.7 236.28% <-Total Growth 10 CF 5 Yr Running
CFPS -$16.95 -$7.44 $8.32 -$4.87 -$1.14 -$16.82 $18.67 $6.75 $2.12 $12.59 $18.90 $16.09 $11.30 $11.70 $5.71 316.24% <-Total Growth 10 Cash Flow per Share
Increase -2112% 56.11% 211.85% -158.53% 76.50% -1370% 210.99% -63.86% -68.63% 494.96% 50.11% -14.90% -29.75% 3.54% -51.20% #NUM! <-IRR #YR-> 10 Cash Flow 326.30%
5 year Running Average -$6.11 -$8.16 -$5.75 -$4.02 -$4.42 -$4.39 $0.83 $0.52 $1.91 $4.66 $11.81 $11.29 $12.20 $14.12 $12.74 -1.92% <-IRR #YR-> 5 Cash Flow -9.26%
P/CF on Med Price -1.59 -4.07 3.53 -4.94 -19.78 -1.81 1.96 5.34 19.24 3.79 2.53 2.62 4.53 0.00 0.00 #NUM! <-IRR #YR-> 10 Cash Flow per Share 316.24%
P/CF on Closing Price -1.74 -4.12 3.28 -4.64 -24.63 -2.00 1.90 5.72 21.37 4.18 2.29 2.98 4.90 4.73 9.70 -2.94% <-IRR #YR-> 5 Cash Flow per Share -13.85%
90.08% Diff M/C #NUM! <-IRR #YR-> 10 CFPS 5 yr Running 238.31%
Excl.Working Capital CF $6,361 $3,275 -$1,530 $2,518 $1,148 $6,424 -$4,826 -$538 $1,122 -$2,355 -$4,414 -$3,727 $0 $0 $0 68.51% <-IRR #YR-> 5 CFPS 5 yr Running 1258.74%
CF fr Op $M WC $757 $872 $1,096 $965 $779 $947 $1,167 $1,639 $1,812 $1,792 $1,961 $1,711 $3,820 $3,955 $1,930 96.22% <-Total Growth 10 Cash Flow less WC
Increase 3.56% 15.19% 25.69% -11.95% -19.27% 21.57% 23.23% 40.45% 10.56% -1.10% 9.43% -12.75% 123.26% 3.54% -51.20% 6.97% <-IRR #YR-> 10 Cash Flow less WC 96.22%
5 year Running Average $1,158.8 $799.8 $830.0 $884.2 $893.8 $931.8 $990.8 $1,099.4 $1,268.8 $1,471.4 $1,674.2 $1,783.0 $2,219.2 $2,647.8 $2,675.5 7.95% <-IRR #YR-> 5 Cash Flow less WC 46.62%
CFPS Excl. WC $2.29 $2.70 $3.47 $3.03 $2.42 $2.91 $3.64 $5.08 $5.56 $5.44 $5.81 $5.06 $11.30 $11.70 $5.71 8.35% <-IRR #YR-> 10 CF less WC 5 Yr Run 122.93%
Increase 4.87% 17.92% 28.64% -12.86% -20.15% 20.39% 25.00% 39.72% 9.41% -2.10% 6.85% -12.96% 123.26% 3.54% -51.20% 12.47% <-IRR #YR-> 5 CF less WC 5 Yr Run 79.96%
5 year Running Average $3.21 $2.35 $2.53 $2.73 $2.78 $2.90 $3.09 $3.41 $3.92 $4.53 $5.11 $5.39 $6.64 $7.86 $7.92 6.49% <-IRR #YR-> 10 CFPS - Less WC 87.49%
P/CF on Med Price 11.79 11.21 8.47 7.95 9.37 10.50 10.06 7.10 7.33 8.77 8.24 8.33 4.53 0.00 0.00 6.84% <-IRR #YR-> 5 CFPS - Less WC 39.20%
P/CF on Closing Price 12.92 11.34 7.87 7.47 11.67 11.54 9.78 7.60 8.14 9.68 7.45 9.46 4.90 4.73 9.70 8.66% <-IRR #YR-> 10 CFPS 5 yr Running 129.49%
*Operational Cash Flow CF/CF-WC P/CF Med 10 yr 2.58 5 yr 3.79 P/CF Med 10 yr 8.40 5 yr 8.24 -41.66% Diff M/C 11.76% <-IRR #YR-> 5 CFPS 5 yr Running 74.37%
$7.44 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $16.09 Cash Flow per Share
-$18.67 $0.00 $0.00 $0.00 $0.00 $16.09 Cash Flow per Share
$8.16 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.29 CFPS 5 yr Running
-$0.83 $0.00 $0.00 $0.00 $0.00 $11.29 CFPS 5 yr Running
-$872 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,711 Cash Flow less WC
-$1,167 $0 $0 $0 $0 $1,711 Cash Flow less WC
-$800 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,783 CF less WC 5 Yr Run
-$991 $0 $0 $0 $0 $1,783 CF less WC 5 Yr Run
-$2.70 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5.06 CFPS - Less WC
-$3.64 $0.00 $0.00 $0.00 $0.00 $5.06 CFPS - Less WC
Contributions in excess of the employee pension plans expense -$192
OPM 22.39% 22.11% 15.19% 20.46% 19.24% 22.70% 24.52% 28.57% 27.87% 26.15% 26.17% 19.13% -13.48% <-Total Growth 10 OPM
Increase 13.18% -1.25% -31.28% 34.66% -5.92% 17.94% 8.03% 16.52% -2.45% -6.17% 0.08% -26.93% Should increase or be stable.
Diff from Median -5.2% -6.4% -35.7% -13.4% -18.5% -3.9% 3.9% 21.0% 18.1% 10.8% 10.9% -19.0% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 23.61% 5 Yrs 26.17% should be zero, it is a check on calculations
Current Assets $10,314 $10,879 $3,328 $3,660 $2,228 $2,274 $2,858 $3,249 $3,596 $9,964 $8,908 $9,405 Liquidity ratio of 1.5 and up, best
Current Liabilities $2,827 $2,558 $2,633 $1,924 $2,148 $1,727 $2,112 $2,836 $1,888 $4,494 $4,474 $5,346 1.56 <-Median-> 10 Ratio
Liquidity Ratio 3.65 4.25 1.26 1.90 1.04 1.32 1.35 1.15 1.90 2.22 1.99 1.76 1.90 <-Median-> 5 Ratio
Liq. with CF aft div 3.33 3.80 2.13 1.58 0.87 1.07 3.99 1.74 1.98 3.01 3.27 2.64 2.64 <-Median-> 5 Ratio
Liq. CF re Inv+Div 0.72 3.80 1.20 0.31 0.44 0.25 0.66 1.17 1.98 3.01 1.45 1.47 1.47 <-Median-> 5 Ratio
Assets $107,598 $116,885 $113,085 $129,332 $132,138 $145,301 $156,297 $177,903 $188,204 $205,429 $216,090 $232,206 Debt Ratio of 1.5 and up, best
Liabilities $102,514 $111,521 $107,488 $121,794 $124,464 $136,894 $147,986 $169,663 $179,043 $194,927 $204,735 $220,104 1.06 <-Median-> 10 Ratio
Debt Ratio 1.05 1.05 1.05 1.06 1.06 1.06 1.06 1.05 1.05 1.05 1.06 1.05 1.05 <-Median-> 5 Ratio
Check Total BV $5,084 $5,364 $5,597 $7,538 $7,674 $8,407 $8,311 $8,240 $9,161 $10,502 $11,355 $12,102 $12,102 $12,102 $12,102 125.62% <-Total Growth 10 Check Total BV
Total Book Value $5,084 $5,364 $5,597 $7,538 $7,674 $8,407 $8,311 $8,240 $9,161 $10,502 $11,355 $12,102 $12,102 $12,102 $12,102 125.62% <-Total Growth 10 Total Book Value
NCI $487 $576 $960 $2,029 $1,197 $1,199 $975 $1,020 $1,018 $795 $801 $810 $810 $810 $810 40.63% <-Total Growth 10 NCI
Book Value & Pref $4,597 $4,788 $4,637 $5,509 $6,477 $7,208 $7,336 $7,220 $8,143 $9,707 $10,554 $11,292 $11,292 $11,292 $11,292 135.84% <-Total Growth 10 Book Value & Pref
Preferred Shares $400 $400 $400 $774 $1,729 $1,089 $762 $762 $677 $1,223 $1,023 $1,650 $1,650 $1,650 $1,650 312.50% <-Total Growth 10 Preferred Shares
Book Value $4,197 $4,388 $4,237 $4,735 $4,748 $6,119 $6,574 $6,458 $7,466 $8,484 $9,531 $9,642 $9,642 $9,642 $9,642 119.74% <-Total Growth 10 Book Value
Pre-split 2014
Book Value per share $12.69 $13.58 $13.42 $14.85 $14.73 $18.80 $20.48 $20.02 $22.90 $25.76 $28.26 $28.52 $28.52 $28.52 $28.52 109.97% <-Total Growth 10 Book Value per share
Change 11.00% 7.03% -1.17% 10.60% -0.82% 27.63% 8.97% -2.27% 14.41% 12.49% 9.70% 0.92% 0.00% 0.00% 0.00% 11.82% P/B Ratio Current/10 Year Median
P/B Ratio (Median) 2.13 2.23 2.19 1.62 1.54 1.62 1.79 1.80 1.78 1.85 1.70 1.48 1.52 P/B Ratio Historical Median
P/B Ratio (Close) 2.33 2.25 2.04 1.52 1.91 1.79 1.74 1.93 1.98 2.04 1.53 1.68 1.94 1.94 1.94 7.70% <-IRR #YR-> 10 Book Value per share 109.97%
Change 183.70% -3.23% -9.72% -25.20% 25.76% -6.73% -2.75% 11.01% 2.46% 3.52% -25.05% 9.54% 15.66% 0.00% 0.00% 6.85% <-IRR #YR-> 5 Book Value per share 39.25%
Leverage (A/BK) 21.16 21.79 20.20 17.16 17.22 17.28 18.81 21.59 20.54 19.56 19.03 19.19 19.11 <-Median-> 10 A/BV
Debt/Equity Ratio 20.16 20.79 19.20 16.16 16.22 16.28 17.81 20.59 19.54 18.56 18.03 18.19 18.11 <-Median-> 10 Debt/Eq Ratio
Sharerholders Equity (Assets less liabilities) P/BV 10 yr Med 1.74 5 yr Med 1.78 11.82% Diff M/C 19.91 Historical Leverage (A/BK)
-$13.58 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $28.52
-$20.48 $0.00 $0.00 $0.00 $0.00 $28.52
Comprehensive Income $837 $517 $732 $1,070 $1,174 $1,241 $1,315 $1,566 $1,636 $1,538 $1,011
NCI $32 $68 -$145 $58 $68 $54 $69 $75 $69 $72 $80
Preferred
Shareholders $805 $449 $877 $1,012 $1,106 $1,187 $1,246 $1,491 $1,567 $1,466 $931 15.65% <-Total Growth 10 Comprehensive Income
Increase -44.22% 95.32% 15.39% 9.29% 7.32% 4.97% 19.66% 5.10% -6.45% -36.49% 14.9% <-Median-> 5 Comprehensive Income
5 Yr Running Average $850 $926 $1,086 $1,208 $1,319 $1,391 $1,340 1.46% <-IRR #YR-> 10 Comprehensive Income 15.65%
ROE 15.0% 8.0% 11.6% 13.2% 13.2% 14.3% 15.1% 16.3% 14.9% 12.9% 7.7% -4.74% <-IRR #YR-> 5 Comprehensive Income -21.57%
5Yr Median 13.2% 13.2% 13.2% 14.3% 14.9% 14.9% 14.9% 7.89% <-IRR #YR-> 6 5 Yr Running Average #DIV/0!
% Difference from NI -22.5% -34.6% -26.0% -21.2% -17.1% -16.6% -35.7% -15.6% -11.4% -18.2% -33.6% 7.67% <-IRR #YR-> 5 5 Yr Running Average 44.70%
Median Values Diff 5, 10 yr -19.7% -18.2% 14.9% <-Median-> 5 Return on Equity
-$805.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $931.0
-$1,187.0 $0.0 $0.0 $0.0 $0.0 $931.0
-$849.8 $0.0 $0.0 $0.0 $0.0 $0.0 $1,340.2
-$926.2 $0.0 $0.0 $0.0 $0.0 $1,340.2
Current Liability Coverage Ratio 0.27 0.34 0.42 0.50 0.36 0.55 0.55 0.58 0.96 0.40 0.44 0.32 CFO / Current Liabilities
5 year Median 0.27 0.27 0.27 0.34 0.36 0.42 0.50 0.55 0.55 0.55 0.55 0.44 0.44 <-Median-> 5 Current Liability Cov Ratio
Asset Efficiency Ratio 0.70% 0.75% 0.97% 0.75% 0.59% 0.65% 0.75% 0.92% 0.96% 0.87% 0.91% 0.74% CFO / Total Assets
5 year Median 0.84% 0.82% 0.82% 0.75% 0.75% 0.75% 0.75% 0.75% 0.75% 0.87% 0.91% 0.91% 0.9% <-Median-> 5 Return on Assets
Return on Assets ROA 0.8% 0.7% 0.5% 0.6% 0.6% 0.7% 0.7% 0.9% 0.8% 0.7% 0.7% 0.5% Net Income/Assets Return on Assets
5Yr Median 0.7% 0.7% 0.7% 0.7% 0.6% 0.6% 0.6% 0.7% 0.7% 0.7% 0.7% 0.7% 0.7% <-Median-> 5 Asset Efficiency Ratio
Return on Equity ROE 19.8% 19.4% 12.3% 15.7% 16.7% 15.9% 17.1% 23.5% 19.3% 16.8% 15.8% 11.6% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 16.1% 18.3% 18.3% 18.3% 16.7% 15.9% 15.9% 16.7% 17.1% 17.1% 17.1% 16.8% 16.8% <-Median-> 5 Return on Equity
Net Income $880 $903 $609 $631 $912 $1,102 $1,267 $1,634 $1,554 $1,538 $1,619 $1,256
NCI $25 $32 $68 -$145 $58 $68 $54 $73 $75 $69 $70 $75
Preferred $26 $21 $21 $32 $59 $63 $87 $43 $40 $40 $45 $64
Shareholders $829 $850 $520 $744 $795 $971 $1,126 $1,518 $1,439 $1,429 $1,504 $1,117 $1,726 $1,845 31.41% <-Total Growth 10 Net Income
Increase 18.09% 2.53% -38.82% 43.08% 6.85% 22.14% 15.96% 34.81% -5.20% -0.69% 5.25% -25.73% 54.52% 6.89% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $613 $678 $700 $729 $748 $776 $831 $1,031 $1,170 $1,297 $1,403 $1,401 $1,443 $1,524 2.77% <-IRR #YR-> 10 Net Income 31.41%
Operating Cash Flow -$5,604 -$2,403 $2,626 -$1,553 -$369 -$5,477 $5,993 $2,177 $690 $4,147 $6,375 $5,438 -0.16% <-IRR #YR-> 5 Net Income -0.80%
Investment Cash Flow -$11,271 $826 -$2,026 -$9,584 -$2,495 -$6,913 -$10,731 -$1,371 $370 $455 -$5,620 -$4,260 7.54% <-IRR #YR-> 10 5 Yr Running Average 106.82%
Total Accruals $17,704 $2,427 -$80 $11,881 $3,659 $13,361 $5,864 $712 $379 -$3,173 $749 -$61 11.01% <-IRR #YR-> 5 5 Yr Running Average 68.60%
Total Assets $107,598 $116,885 $113,085 $129,332 $132,138 $145,301 $156,297 $177,903 $188,204 $205,429 $216,090 $232,206 Balance Sheet Assets
Accruals Ratio 16.45% 2.08% -0.07% 9.19% 2.77% 9.20% 3.75% 0.40% 0.20% -1.54% 0.35% -0.03% 0.20% <-Median-> 5 Ratio
EPS/CF Ratio (WC) 1.07 0.95 0.46 0.77 1.02 1.02 0.94 0.92 0.79 0.79 0.78 0.65 0.79 <-Median-> 10 EPS/CF Ratio
-$850 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,117
-$1,126 $0 $0 $0 $0 $1,117
-$678 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,401
-$831 $0 $0 $0 $0 $1,401
Chge in Close 214.91% 3.57% -10.78% -17.27% 24.73% 19.05% 5.97% 8.49% 17.23% 16.45% -17.79% 10.55% 15.66% 0.00% 0.00% Count 30 Years of data
up/down down down down down Count 8 26.67%
Meet Prediction? % right Count 2 25.00%
Financial Cash Flow $17,818 $6,170 -$8,473 $11,607 $1,568 $11,531 $5,116 -$407 -$690 -$712 -$1,026 -$533 C F Statement Financial CF
Total Accruals -$114 -$3,743 $8,393 $274 $2,091 $1,830 $748 $1,119 $1,069 -$2,461 $1,775 $472 Accruals
Accruals Ratio -0.11% -3.20% 7.42% 0.21% 1.58% 1.26% 0.48% 0.63% 0.57% -1.20% 0.82% 0.20% 0.57% <-Median-> 5 Ratio
Cash $6,276 $10,869 $2,996 $3,466 $2,170 $2,031 $2,409 $3,249 $3,596 $8,086 $7,567 $8,183 Cash
Cash per Share $18.98 $33.65 $9.49 $10.87 $6.73 $6.24 $7.51 $10.07 $11.03 $24.56 $22.44 $24.21 $22.44 <-Median-> 5 Cash per Share
Percentage of Stock Price 64.19% 109.87% 34.74% 48.08% 23.87% 18.59% 21.10% 26.10% 24.38% 46.61% 51.81% 50.56% 46.61% <-Median-> 5 % of Stock Price
Notes:
January 21, 2017. Last estimates were for 2016 and 2017 of $6143M, $6439M and $6700M for Revenue for 2016, 2017 and 2018, $4.78 and $5.03 for EPS,
$10.50 and $5.09 for CFPS and $1635M, $1699M for Net Income.
January 17, 2016. Last estimates were for 2015, 2016 and 2017 of $5809M, $6148M and $6426M for Revenue, $4.64, $4.98 and $5.61 for EPS, $10.50, $11.20 and $5.14 for CFPS, $1559M, $1679M and $1828M for Net Income.
January 17, 2015. Last estimates were for 2014, 2015 and 2016 of $5441M, $5755M, and $6714M for Revenue, $8.78, $9.37 and $10.90 for EPS and $1426M, $1524M and $1687M for Net Income
January 18, 2014. Last estimates were for 2013 and 2014 of $5260M and $5493M for Revenue and $8.14 and $8.65 for EPS
Sector:
Bank, Financial Services
What should this stock accomplish?
I would expect dividends to be moderate to good with moderate dividend growth over the longer term.
Would I buy this company and Why.
If I was looking for another bank, I would certainly consider this one. The only reason I do not own it is that I have enough bank stock with the 3 banks I own.
Dividends
Dividends are paid in Cycle 2, which is November, February, May, and August. Dividends are declared for sharholders of one month for payment in two month's time.
For example, the dividend payable on February 1, 2014 was for shareholders of record of December 27, 2013. (The ex-dividend date was December 23, 2014.)
Misson Statement or closes thing I can find.
What I am looking for is a statement that the company wants to do well by their customers, employees, and community and and thereby earn shareholders a reasonable return.
Really hard to find information on the points I wanted to hit.
Each subsidiaries seems to have its own mission to provide clients with sound advise and information.
As a key driver of social and economic development in Canada, National Bank provides significant support to the community by assisting several Canadian organizations that are particularly active with young people.
For employees it says that working together, succeeding together means joining a company that believes in the future and continuously adds value for its clients and community.
For why investor should invest in this bank, the bank says that National Bank of Canada is an integrated group that provides comprehensive financial services to consumers,
small and medium-sized enterprises and large corporations in its core market, while offering specialized services elsewhere in the world.
Why am I following this stock.
I thought I should follow one of the smaller Canadian Banks. This seems like a good choice.
How they make their money.
National Bank of Canada provides financial services to consumers, small and medium-sized enterprises, and large corporations & has branches in every province in Canada.
It is also represented in the U.S. and Europe through its subsidiaries and alliances.
For most ratios, lower is better when looking for a good stock price. However, there are exceptions such as for yield (dividends and erarnings) and asset/liability ratios and here you want a higher ratios to indicate a good stock price.
Also, for the Operational Profit Margin, a higher percentage is better. With the OPM, you should only compare companies in similar industries.
adjed re 2014 split adjed re 2014 split
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M
Date Jun 15 2013 Jun 18 2014 Jun 16 2015 Jun 17 2016 Jun 21 2017
Vachon, Louis 0.128 0.04% 0.129 0.04% 0.262 0.08% 0.172 0.05% 0.174 0.05%
CEO - Shares - Amount $5.783 $6.813 $11.352 $8.252 $9.641
Options - percentage 2.642 0.81% 2.719 0.83% 2.900 0.86% 3.104 0.92% 3.087 0.91%
Options - amount $119.504 $143.218 $125.587 $148.636 $170.950
Parent, Ghislain 0.003 0.00% 0.003 0.00% 0.006 0.00% 0.006 0.00% 0.006 0.00%
CFO - Shares - Amount $0.136 $0.158 $0.260 $0.287 $0.332
Options - percentage 0.132 0.04% 0.370 0.11% 0.218 0.06% 0.286 0.08% 0.304 0.09%
Options - amount $5.984 $19.489 $9.456 $13.697 $16.858
Bertrand, Luc 0.050 0.01% 0.050 0.01% 0.050 0.01%
Officer - Shares - Amount $2.166 $2.394 $2.769
Options - percentage 0.026 0.01% 0.039 0.01% 0.038 0.01%
Options - amount $1.147 $1.853 $2.123
Bonnell, William 0.005 0.00%
Officer - Shares - Amount $0.278
Options - percentage 0.307 0.09%
Options - amount $16.977
Annett, David 0.001 0.00% 0.001 0.00%
Officer - Shares - Amount $0.026 $0.030
Options - percentage 0.024 0.01% 0.024 0.01%
Options - amount $1.076 $1.253
Bertrand, Maryse 0.003 0.00% 0.010 0.00% 0.011 0.00% 0.011 0.00%
Director - Shares - Amount $0.148 $0.416 $0.513 $0.603
Options - percentage 0.003 0.00% 0.004 0.00% 0.006 0.00% 0.010 0.00%
Options - amount $0.132 $0.175 $0.282 $0.543
Cyr, Bernard 0.015 0.00%
Director - Shares - Amount $0.679
Options - percentage 0.018 0.01%
Options - amount $0.814
Houde, Jean 0.024 0.01% 0.025 0.01% 0.025 0.01%
Chairman - Shares - Amt $1.044 $1.194 $1.392
Options - percentage 0.000 0.00% 0.000 0.00% 0.002 0.00%
Options - amount $0.000 $0.000 $0.091
Douville, Jean R. 0.001 0.00%
Chairman - Shares - Amt $0.072
Options - percentage 0.017 0.01%
Options - amount $0.898
Increase in O/S Shares 3.530 1.08% 2.945 0.89% 1.060 0.31% 1.123 0.33%
due to SO Price $159.676 $155.117 0.89% $45.893 $53.758
Book Value $107.000 $102.000 $39.000 $43.000
Insider Buying -$1.279 -$0.901 -$2.359
Insider Selling $10.416 $3.469 $26.899
Net Insider Selling $9.137 $2.568 $24.540
% of Market Cap 0.06% 0.02% 0.13%
Directors 16 16 16 14
Women 4 25% 6 38% 7 44% 5 36%
Minorities 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 186 24.99% 192 25.97% 217 28.59% 252 33.74% 238 31.98%
Total Shares Held 80.310 24.64% 90.908 27.61% 94.058 27.89% 113.785 33.66% 108.871 32.21%
Increase/Decrease 0.773 0.97% 0.804 0.89% 0.200 0.21% -2.118 -1.83% 3.189 3.02%
Starting No. of Shares 79.537 90.104 93.858 115.904 105.682
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