Commerce Union Bancshares (NASDAQ: CUBN) is one of 209 publicly-traded companies in the “Commercial Banks” industry, but how does it contrast to its rivals? We will compare Commerce Union Bancshares to related businesses based on the strength of its institutional ownership, risk, profitability, dividends, earnings, analyst recommendations and valuation.

Volatility and Risk

Commerce Union Bancshares has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500. Comparatively, Commerce Union Bancshares’ rivals have a beta of 0.74, indicating that their average stock price is 26% less volatile than the S&P 500.

Profitability

This table compares Commerce Union Bancshares and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Commerce Union Bancshares 18.50% 7.58% 0.87%
Commerce Union Bancshares Competitors 20.58% 8.79% 0.93%

Analyst Ratings

This is a breakdown of current ratings and price targets for Commerce Union Bancshares and its rivals, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Commerce Union Bancshares 0 1 1 0 2.50
Commerce Union Bancshares Competitors 359 2832 2297 66 2.37

Commerce Union Bancshares presently has a consensus target price of $25.25, suggesting a potential upside of 7.58%. As a group, “Commercial Banks” companies have a potential upside of 4.41%. Given Commerce Union Bancshares’ stronger consensus rating and higher possible upside, research analysts plainly believe Commerce Union Bancshares is more favorable than its rivals.

Earnings and Valuation

This table compares Commerce Union Bancshares and its rivals revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Commerce Union Bancshares $44.81 million $8.93 million 23.24
Commerce Union Bancshares Competitors $343.33 million $72.32 million 18.80

Commerce Union Bancshares’ rivals have higher revenue and earnings than Commerce Union Bancshares. Commerce Union Bancshares is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Institutional and Insider Ownership

15.4% of Commerce Union Bancshares shares are held by institutional investors. Comparatively, 46.5% of shares of all “Commercial Banks” companies are held by institutional investors. 12.5% of Commerce Union Bancshares shares are held by insiders. Comparatively, 11.6% of shares of all “Commercial Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Dividends

Commerce Union Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. Commerce Union Bancshares pays out 23.8% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 34.4% of their earnings in the form of a dividend.

Summary

Commerce Union Bancshares rivals beat Commerce Union Bancshares on 9 of the 15 factors compared.

Commerce Union Bancshares Company Profile

Commerce Union Bancshares, Inc. serves as the bank holding company for Reliant Bank. The Company has two segments: Retail Banking and Residential Mortgage Banking. Retail Banking provides deposit and lending services to consumer and business customers within its primary geographic markets. Its customers are serviced through branch locations, automated teller machines (ATMs), online banking and mobile banking. Residential Mortgage Banking originates first lien residential mortgage loans throughout the United States. These loans are typically underwritten to government agency standards and sold to third-party secondary market mortgage investors. Reliant Bank provides a range of traditional banking services throughout the Middle Tennessee Region and the Nashville-Davidson-Murfreesboro-Franklin Metropolitan Statistical Area. Reliant Bank provides a range of commercial banking services for businesses and individuals, including checking, savings accounts, certificates of deposits and loans.

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