Reviewing Commercial National Financial (OTCMKTS:CEFC) & Sberbank of Russia (OTCMKTS:SBRCY)

Institutional and Insider Ownership

0.1% of Sberbank of Russia shares are owned by institutional investors. 23.0% of Commercial National Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

Commercial National Financial pays an annual dividend of $0.56 per share and has a dividend yield of 5.2%. Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. Commercial National Financial pays out 37.8% of its earnings in the form of a dividend.

Risk and Volatility

Commercial National Financial has a beta of 0.49, indicating that its share price is 51% less volatile than the S&P 500. Comparatively, Sberbank of Russia has a beta of 1.56, indicating that its share price is 56% more volatile than the S&P 500.

Profitability

This table compares Commercial National Financial and Sberbank of Russia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Commercial National Financial	20.10%	N/A	N/A
Sberbank of Russia	40.80%	21.45%	2.97%

Earnings & Valuation

This table compares Commercial National Financial and Sberbank of Russia”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Commercial National Financial	$29.17 million	1.48	$5.86 million	$1.48	7.33
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A

Sberbank of Russia has higher revenue and earnings than Commercial National Financial.

Summary

Sberbank of Russia beats Commercial National Financial on 9 of the 11 factors compared between the two stocks.

About Commercial National Financial

Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. In addition, the company provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant services, night depository, telephone banking, online banking, e-statements, direct deposit of payroll for employees, child support payments, collection of receivables, and remote deposit capture, as well as treasury services. It provides its services through offices located in Barry, Gratiot, Ingham, Kent, and Montcalm counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.