Commerce Union Bancshares (CUBN) & Its Rivals Financial Review

Commerce Union Bancshares (NASDAQ: CUBN) is one of 211 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its competitors? We will compare Commerce Union Bancshares to similar companies based on the strength of its valuation, earnings, analyst recommendations, profitability, risk, institutional ownership and dividends.

Volatility & Risk

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

Valuation & Earnings

This table compares Commerce Union Bancshares and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Commerce Union Bancshares $44.81 million $8.93 million 22.00
Commerce Union Bancshares Competitors $341.18 million $71.82 million 20.95

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

Analyst Recommendations

This is a summary of recent ratings for Commerce Union Bancshares and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Commerce Union Bancshares 0 1 1 0 2.50
Commerce Union Bancshares Competitors 361 2851 2309 66 2.37

Commerce Union Bancshares currently has a consensus target price of $25.25, suggesting a potential upside of 13.64%. As a group, “Commercial Banks” companies have a potential upside of 8.96%. Given Commerce Union Bancshares’ stronger consensus rating and higher probable upside, equities research analysts clearly believe Commerce Union Bancshares is more favorable than its competitors.

Institutional & Insider Ownership

15.4% of Commerce Union Bancshares shares are owned by institutional investors. Comparatively, 46.4% of shares of all “Commercial Banks” companies are owned by institutional investors. 12.5% of Commerce Union Bancshares shares are owned by company insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Commerce Union Bancshares and its competitors’ 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 20.57% 8.77% 0.93%

Dividends

Commerce Union Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. 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 35.0% of their earnings in the form of a dividend.

Summary

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

About Commerce Union Bancshares

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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