Commerce Union Bancshares (NASDAQ: CUBN) is one of 208 publicly-traded companies in the “Commercial Banks” industry, but how does it compare to its peers? We will compare Commerce Union Bancshares to related companies based on the strength of its institutional ownership, valuation, analyst recommendations, earnings, profitability, dividends and risk.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Commerce Union Bancshares and its peers, as provided 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 357 2834 2304 66 2.37

As a group, “Commercial Banks” companies have a potential upside of 3.14%. Given Commerce Union Bancshares’ stronger consensus rating and higher probable upside, equities research analysts plainly believe Commerce Union Bancshares is more favorable than its peers.

Earnings & Valuation

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

Gross Revenue NetIncome Price/Earnings Ratio
Commerce Union Bancshares $44.81 million $8.93 million 23.18
Commerce Union Bancshares Competitors $343.33 million $72.29 million 21.13

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

Profitability

This table compares Commerce Union Bancshares and its peers’ 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% 8.78% 0.93%

Risk & Volatility

Commerce Union Bancshares has a beta of 0.45, suggesting that its share price is 55% less volatile than the S&P 500. Comparatively, Commerce Union Bancshares’ peers have a beta of 0.75, suggesting that their average share price is 25% less volatile than the S&P 500.

Insider & Institutional Ownership

15.4% of Commerce Union Bancshares shares are owned by institutional investors. Comparatively, 46.5% 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 hedge funds, large money managers and endowments believe a company 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 1.8% and pay out 34.3% of their earnings in the form of a dividend.

Summary

Commerce Union Bancshares peers 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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