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National Bank of CanadaNTIOF +0.66%77 3-Year EPS without NRI Growth Rate is 5.50% as of Jul. 2026, which is 46% below its 10-year median of 10.25. GuruFocus rates NTIOF with a GF Score™ of 77/100 and a GF Value™ of $114.34 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,401 Banks companies, National Bank of Canada ranks worse than 55.53% on this metric.
During the past 12 months, National Bank of Canada's average EPS without NRI Growth Rate was 15.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 5.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 10.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 10.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of National Bank of Canada was 45.50% per year. The lowest was -6.70% per year. And the median was 10.25% per year.
National Bank of Canada (OTCPK:NTIOF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
National Bank of Canada 3-Year EPS without NRI Growth Rate Related Terms
NTIOF vs JPM, BAC, WFC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Diversified subindustry, National Bank of Canada's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
National Bank of Canada 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Canada's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where National Bank of Canada's 3-Year EPS without NRI Growth Rate falls into.
National Bank of Canada 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 5.50% mean?
National Bank of Canada (NTIOF) has a 3-Year EPS without NRI Growth Rate of 5.50% as of Jul. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for National Bank of Canada and its competitors. This is 46% below median its historical median of 10.25. According to the industry distribution chart, National Bank of Canada ranks #778 out of 1401 companies in the Banks industry, placing it in the top 55.5%.
Is National Bank of Canada's 3-Year EPS without NRI Growth Rate too high?
National Bank of Canada's current 3-Year EPS without NRI Growth Rate of 5.50% is 46% below median its 10-year median of 10.25. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. National Bank of Canada's value of 5.50% is 27.6% below this industry median. Based on the distribution chart, National Bank of Canada ranks #778 out of 1401 companies in the Banks industry, which is below the industry midpoint. Overall, National Bank of Canada has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Canada's 3-Year EPS without NRI Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, National Bank of Canada ranks #778 out of 1401 companies for 3-Year EPS without NRI Growth Rate. This places National Bank of Canada in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. National Bank of Canada's value of 5.50% is 27.6% below this benchmark. While the company's 10-year median is 10.25 vs. the industry median of 7.60, National Bank of Canada has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank of Canada's current 3-Year EPS without NRI Growth Rate of 5.50% is 27.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for National Bank of Canada and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Canada's current 3-Year EPS without NRI Growth Rate is 5.50%, which is 46% below median its own 10-year median of 10.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Canada stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Canada (NTIOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $114.34, compared to a current price of $152.18 — trading 33.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 5.50%, which is 46% below median its 10-year median of 10.25 and 27.6% below the Banks industry median of 7.60. National Bank of Canada's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For National Bank of Canada (NTIOF), the current 3-Year EPS without NRI Growth Rate is 5.50% as of Jul. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is National Bank of Canada (NTIOF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Canada stock appears to be overvalued.
The current stock price of $152.18 is trading 33.1% above its estimated GF Value™ of $114.34.
GuruFocus considers National Bank of Canada to be Significantly Overvalued.
Key valuation signals for NTIOF:
3-Year EPS without NRI Growth Rate: 5.50% (46% below median its 10-year median of 10.25)
GF Value™: $114.34 vs. price of $152.18 (33.1% above fair value)
Industry Position: 27.6% below the Banks median (#778 of 1401)
No single metric tells the full story. See the NTIOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Canada is the sixth-largest bank in Canada. It is a diversified financial services company, offering personal and commercial banking, wealth management and capital markets services. The bank derives around 45% of its 2025 revenue from the province of Quebec, with additional operations in the rest of Canada and the United States. National Bank of Canada also owns ABA Bank, one of the largest commercial banks in Cambodia.
77GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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