Head-To-Head Survey: Commerce Union Bancshares (CUBN) versus Its Peers

Commerce Union Bancshares (NASDAQ: CUBN) is one of 200 public companies in the “Commercial Banks” industry, but how does it contrast to its rivals? We will compare Commerce Union Bancshares to related companies based on the strength of its institutional ownership, profitability, earnings, valuation, analyst recommendations, dividends and risk.

Analyst Ratings

This is a summary of recent ratings and target prices for Commerce Union Bancshares and its rivals, as provided 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 363 2868 2316 68 2.37

Commerce Union Bancshares presently has a consensus price target of $25.25, suggesting a potential upside of 2.43%. As a group, “Commercial Banks” companies have a potential upside of 6.24%. Given Commerce Union Bancshares’ rivals higher probable upside, analysts plainly believe Commerce Union Bancshares has less favorable growth aspects than its rivals.

Earnings & Valuation

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

Gross Revenue NetIncome Price/Earnings Ratio
Commerce Union Bancshares $44.81 million $8.93 million 24.41
Commerce Union Bancshares Competitors $341.79 million $72.49 million 21.07

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.

Insider and Institutional Ownership

17.6% of Commerce Union Bancshares shares are owned by institutional investors. Comparatively, 46.1% of shares of all “Commercial Banks” companies are owned by institutional investors. 12.5% of Commerce Union Bancshares shares are owned by insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are owned 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 35.5% of their earnings in the form of a dividend.

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% 7.12% 0.85%
Commerce Union Bancshares Competitors 20.41% 8.68% 0.92%

Risk & Volatility

Commerce Union Bancshares has a beta of 0.29, suggesting that its stock price is 71% less volatile than the S&P 500. Comparatively, Commerce Union Bancshares’ rivals have a beta of 0.74, suggesting that their average stock price is 26% less volatile than the S&P 500.

Summary

Commerce Union Bancshares rivals beat Commerce Union Bancshares on 10 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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