Reviewing SmartFinancial Inc. (SMBK)’s and National Commerce Corporation (NASDAQ:NCOM)’s results

Since SmartFinancial Inc. (NASDAQ:SMBK) and National Commerce Corporation (NASDAQ:NCOM) are part of the Regional – Southeast Banks industry, they are influenced by compare. The influences particularly affect the dividends, analyst recommendations, profitability, risk, institutional ownership, earnings and valuation of both companies.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SmartFinancial Inc. 74.94M 3.74 11.71M 1.43 13.66
National Commerce Corporation 164.78M 5.37 42.44M 2.21 19.39

We can see in table 1 the earnings per share (EPS), top-line revenue and valuation of SmartFinancial Inc. and National Commerce Corporation. National Commerce Corporation appears to has higher revenue and earnings than SmartFinancial Inc. Company that currently has a lower P/E ratio means that it is the more affordable of the two businesses. SmartFinancial Inc.’s current P/E ratio is lower than that of National Commerce Corporation, which means that it is the affordable of the two.

Profitability

Table 2 provides SmartFinancial Inc. and National Commerce Corporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SmartFinancial Inc. 15.63% 4% 0.5%
National Commerce Corporation 25.76% 5.3% 0.8%

Risk and Volatility

A beta of 0.52 shows that SmartFinancial Inc. is 48.00% less volatile than Standard & Poor’s 500. In other hand, National Commerce Corporation has beta of 1.24 which is 24.00% more volatile than Standard & Poor’s 500.

Analyst Ratings

Ratings and Recommendations for SmartFinancial Inc. and National Commerce Corporation can be find in next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
SmartFinancial Inc. 0 0 0 0.00
National Commerce Corporation 0 1 1 2.50

On the other hand, National Commerce Corporation’s potential upside is 2.30% and its consensus target price is $43.5.

Insider and Institutional Ownership

The shares of both SmartFinancial Inc. and National Commerce Corporation are owned by institutional investors at 36.9% and 52.2% respectively. About 6% of SmartFinancial Inc.’s share are held by insiders. On the other hand, insiders held about 1.8% of National Commerce Corporation’s shares.

Performance

In this table we show the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
SmartFinancial Inc. -2.49% 1.3% -3.98% -20.82% -9.91% 7.01%
National Commerce Corporation -1.45% 5.44% 4.17% -3.42% -0.63% 19.25%

For the past year SmartFinancial Inc. has weaker performance than National Commerce Corporation

Summary

On 14 of the 13 factors National Commerce Corporation beats SmartFinancial Inc.

SmartFinancial, Inc. operates as the bank holding company for the SmartBank that provides various banking services to individuals and corporate customers in the United States. The company offers various deposit products, including interest bearing and non-interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. It also provides loan products, such as commercial real estate loans, consumer real estate loans, construction and land development loans, commercial and industrial loans, and consumer and other loans, such as direct consumer installment loans, overdrafts and other revolving credit loans, and educational loans. As of December 31, 2015, it operated through 12 full-service banking offices in East Tennessee and the Florida Panhandle; and 2 loan production office, one mortgage loan production office, and two service centers. SmartFinancial, Inc. was founded in 2007 is headquartered in Knoxville, Tennessee.

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