Financial Analysis: First Interstate Bancsystem (FIBK) versus Commercial National Financial (CNAF)

First Interstate Bancsystem (NASDAQ:FIBK) and Commercial National Financial (OTCMKTS:CNAF) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, dividends, analyst recommendations and profitability.

Analyst Ratings

This is a summary of recent recommendations for First Interstate Bancsystem and Commercial National Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Interstate Bancsystem 0 1 5 0 2.83
Commercial National Financial 0 0 0 0 N/A

First Interstate Bancsystem currently has a consensus price target of $46.78, indicating a potential upside of 17.77%. Given First Interstate Bancsystem’s higher probable upside, analysts clearly believe First Interstate Bancsystem is more favorable than Commercial National Financial.

Earnings & Valuation

This table compares First Interstate Bancsystem and Commercial National Financial’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Interstate Bancsystem $519.53 million 4.63 $160.20 million $2.92 13.60
Commercial National Financial $19.02 million 3.29 $6.87 million N/A N/A

First Interstate Bancsystem has higher revenue and earnings than Commercial National Financial.

Profitability

This table compares First Interstate Bancsystem and Commercial National Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Interstate Bancsystem 25.82% 11.25% 1.35%
Commercial National Financial N/A N/A N/A

Dividends

First Interstate Bancsystem pays an annual dividend of $1.12 per share and has a dividend yield of 2.8%. Commercial National Financial pays an annual dividend of $1.04 per share and has a dividend yield of 4.7%. First Interstate Bancsystem pays out 38.4% of its earnings in the form of a dividend. First Interstate Bancsystem has raised its dividend for 5 consecutive years.

Insider & Institutional Ownership

49.0% of First Interstate Bancsystem shares are owned by institutional investors. Comparatively, 3.6% of Commercial National Financial shares are owned by institutional investors. 40.2% of First Interstate Bancsystem shares are owned by insiders. Comparatively, 22.4% of Commercial National Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk and Volatility

First Interstate Bancsystem has a beta of 1.12, indicating that its share price is 12% more volatile than the S&P 500. Comparatively, Commercial National Financial has a beta of 0.48, indicating that its share price is 52% less volatile than the S&P 500.

Summary

First Interstate Bancsystem beats Commercial National Financial on 12 of the 15 factors compared between the two stocks.

About First Interstate Bancsystem

First Interstate BancSystem, Inc. operates as the bank holding company for First Interstate Bank that provides range of banking products and services in the United States. Its deposit products include checking, savings, time, and demand deposits; and repurchase agreements primarily for commercial and municipal depositors. The company's loan portfolio consists of real estate loans, including commercial real estate, construction, residential, agricultural, and other real estate loans; consumer loans; commercial loans; and other loans, including fixed and variable rate loans. It also provides a range of trust, employee benefit, investment management, insurance, agency, and custodial services to individuals, businesses, and nonprofit organizations, which include the administration of estates and personal trusts; management of investment accounts for individuals, employee benefit plans, and charitable foundations; and insurance planning. In addition, the company offers Internet and mobile banking services. It serves individuals, businesses, municipalities, and other entities in various industries, including energy, healthcare and professional services, education and governmental services, construction, mining, agriculture, retail and wholesale trade, and tourism. The company operates 126 banking offices located in Idaho, Oregon, Montana, Washington, Wyoming, and South Dakota. First Interstate BancSystem, Inc. was incorporated in 1971 and is headquartered in Billings, Montana.

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.

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