Comparing Commerce Union Bancshares (CUBN) and Its Peers
Commerce Union Bancshares (NASDAQ: CUBN) is one of 211 publicly-traded companies in the “Commercial Banks” industry, but how does it weigh in compared to its rivals? We will compare Commerce Union Bancshares to similar businesses based on the strength of its dividends, analyst recommendations, risk, institutional ownership, profitability, valuation and earnings.
Insider & Institutional 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 endowments, hedge funds and large money managers believe a company is poised for long-term growth.
This is a summary of current ratings 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||361||2851||2309||66||2.37|
Commerce Union Bancshares presently 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 rivals.
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.
Risk & Volatility
Commerce Union Bancshares has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, Commerce Union Bancshares’ rivals have a beta of 0.74, meaning that their average share price is 26% less volatile than the S&P 500.
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||22.00|
|Commerce Union Bancshares Competitors||$341.18 million||$71.82 million||20.95|
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.
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||20.70%||8.82%||0.94%|
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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