Wall Street is overwhelmingly bullish on the stocks in this article, with price targets suggesting significant upside potential. However, it’s worth remembering that analysts rarely issue sell ratings, partly because their firms often seek other business from the same companies they cover.
Luckily for you, we at StockStory have no conflicts of interest - our sole job is to help you find genuinely promising companies. Keeping that in mind, here is one stock where Wall Street’s excitement appears well-founded and two where its enthusiasm might be excessive.
Two Stocks to Sell:
Coursera (COUR)
Consensus Price Target: $10.11 (72.8% implied return)
Founded by two Stanford University computer science professors, Coursera (NYSE: COUR) is an online learning platform that offers courses, specializations, and degrees from top universities and organizations around the world.
Why Are We Wary of COUR?
- Estimated sales growth of 7.2% for the next 12 months implies demand will slow from its three-year trend
- High servicing costs result in an inferior gross margin of 54.1% that must be offset through higher volumes
- Highly competitive market means it’s on the never-ending treadmill of sales and marketing spend
At $5.85 per share, Coursera trades at 2.6x forward EV/EBITDA. Dive into our free research report to see why there are better opportunities than COUR.
National Bank Holdings (NBHC)
Consensus Price Target: $46.60 (17.7% implied return)
Operating under familiar local brands like Community Banks of Colorado, Bank Midwest, and Bank of Jackson Hole, National Bank Holdings (NYSE: NBHC) operates regional banks across Colorado, Kansas, Missouri, Wyoming, Texas, and other western states, offering commercial, business, and consumer banking services.
Why Do We Avoid NBHC?
- Products and services are facing significant end-market challenges during this cycle as sales have declined by 1.3% annually over the last two years
- Performance over the past five years shows its incremental sales were less profitable as its earnings per share were flat
- Estimated tangible book value per share growth of 2.2% for the next 12 months implies profitability will slow from its two-year trend
National Bank Holdings’s stock price of $39.58 implies a valuation ratio of 1x forward P/B. If you’re considering NBHC for your portfolio, see our FREE research report to learn more.
One Stock to Watch:
UMB Financial (UMBF)
Consensus Price Target: $143.23 (25.7% implied return)
With roots dating back to 1913 and a name derived from "United Missouri Bank," UMB Financial (NASDAQ: UMBF) is a financial holding company that provides banking, asset management, and fund services to commercial, institutional, and individual customers.
Why Are We Positive On UMBF?
- Annual net interest income growth of 24.7% over the past five years was outstanding, reflecting market share gains this cycle
- Net interest margin jumped by 55.4 basis points (100 basis points = 1 percentage point) over the last two years, giving the firm more resources to pursue growth initiatives
- Productivity and efficiency ratio profits are expected to increase next year as some fixed cost leverage kicks in
UMB Financial is trading at $113.99 per share, or 1.1x forward P/B. Is now a good time to buy? See for yourself in our full research report, it’s free.
High-Quality Stocks for All Market Conditions
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