Head-To-Head Comparison: Associated Banc (NYSE:ASB) and Commercial National Financial (NYSE:CNAF)

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Commercial National Financial (OTCMKTS:CNAF) and Associated Banc (NYSE:ASB) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, dividends, institutional ownership, risk, profitability, analyst recommendations and valuation.

Earnings & Valuation

This table compares Commercial National Financial and Associated Banc’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Commercial National Financial $18.64 million 3.22 $4.34 million N/A N/A
Associated Banc $1.51 billion 2.22 $333.56 million $2.03 10.34

Associated Banc has higher revenue and earnings than Commercial National Financial.

Profitability

This table compares Commercial National Financial and Associated Banc’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Commercial National Financial 23.65% 7.41% 1.07%
Associated Banc 21.73% 9.71% 1.05%

Institutional & Insider Ownership

3.7% of Commercial National Financial shares are held by institutional investors. Comparatively, 73.3% of Associated Banc shares are held by institutional investors. 22.4% of Commercial National Financial shares are held by insiders. Comparatively, 2.7% of Associated Banc shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Dividends

Commercial National Financial pays an annual dividend of $1.04 per share and has a dividend yield of 5.0%. Associated Banc pays an annual dividend of $0.72 per share and has a dividend yield of 3.4%. Associated Banc pays out 35.5% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations and price targets for Commercial National Financial and Associated Banc, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Commercial National Financial 0 0 0 0 N/A
Associated Banc 2 6 1 0 1.89

Associated Banc has a consensus price target of $22.71, indicating a potential upside of 8.16%. Given Associated Banc’s higher possible upside, analysts clearly believe Associated Banc is more favorable than Commercial National Financial.

Volatility & Risk

Commercial National Financial has a beta of 0.31, suggesting that its share price is 69% less volatile than the S&P 500. Comparatively, Associated Banc has a beta of 1.21, suggesting that its share price is 21% more volatile than the S&P 500.

About Commercial National Financial

Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking services in Pennsylvania. The company offers checking, money market investment, and savings accounts; and business-time deposits, as well as certificates of deposit. It also provides loan products, such as residential mortgages, construction mortgages, home-equity loans, personal lines of credit, personal loans, and automobile loans; and commercial loans, mortgages, term loans, and lines of credit. In addition, the company offers other services, including automatic teller machine access, debit card, online banking, mobile banking, and online bill payment services; and direct deposit, payroll processing and night depository services. Further, it provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. The company operates a network of nine community offices with facilities in Greensburg, Hempfield Township, Latrobe, Ligonier, North Huntingdon, Unity Township, and West Newton. Commercial National Financial Corporation was founded in 1934 and is headquartered in Latrobe, Pennsylvania.

About Associated Banc

Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. Its Corporate and Commercial Specialty segment offers deposit and cash management solutions, such as commercial checking and interest-bearing deposit products, cash vault and night depository services, liquidity solutions, payables and receivables solutions, and information services; and lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset based lending, and loan syndications. This segment also provides specialized financial services comprising interest rate risk management, foreign exchange solutions, and commodity hedging. The company's Community, Consumer, and Business segment offers checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; savings, money market deposit accounts, IRA accounts, certificates of deposit, and fixed and variable annuities, as well as full-service, discount, and online investment brokerage; investment advisory services; trust and investment management accounts; and insurance and other related products and services. This segment also engages in the administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management services. Its Risk Management and Shared Services segment provides corporate risk management, credit administration, finance, treasury, operations, and technology services. As of April 30, 2019, the company operated approximately 230 banking locations serving approximately 110 communities. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.

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