By otakuyassine3@gmail.com 
U.S.A Bank (OTCMKTS:USBK – Get Free Report) and Commerce Bancshares (NASDAQ:CBSH – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, risk, analyst recommendations, profitability, valuation and earnings.
Valuation and Earnings
This table compares U.S.A Bank and Commerce Bancshares”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| U.S.A Bank | N/A | N/A | N/A | N/A | N/A |
| Commerce Bancshares | $2.09 billion | 4.20 | $526.33 million | $4.01 | 17.05 |
Commerce Bancshares has higher revenue and earnings than U.S.A Bank.
Profitability
This table compares U.S.A Bank and Commerce Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| U.S.A Bank | N/A | N/A | N/A |
| Commerce Bancshares | 25.24% | 16.31% | 1.69% |
Institutional & Insider Ownership
70.3% of Commerce Bancshares shares are owned by institutional investors. 3.1% of Commerce Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Risk and Volatility
U.S.A Bank has a beta of -24.99, suggesting that its share price is 2,599% less volatile than the S&P 500. Comparatively, Commerce Bancshares has a beta of 0.8, suggesting that its share price is 20% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for U.S.A Bank and Commerce Bancshares, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| U.S.A Bank | 0 | 0 | 0 | 0 | 0.00 |
| Commerce Bancshares | 0 | 6 | 0 | 0 | 2.00 |
Commerce Bancshares has a consensus target price of $67.83, indicating a potential downside of 0.77%. Given Commerce Bancshares’ stronger consensus rating and higher possible upside, analysts plainly believe Commerce Bancshares is more favorable than U.S.A Bank.
Summary
Commerce Bancshares beats U.S.A Bank on 9 of the 9 factors compared between the two stocks.
About U.S.A Bank
As of July 10, 2010, U.S.A Bank was acquired by Customers Bank (Phoenixville, Pennsylvania). U.S.A Bank operates as a community bank in New York. It offers deposit products, Internet banking, ATM cards, consumer loans, and residential and commercial loans. U.S.A Bank was founded in 2005 and is based in Port Chester, New York.
About Commerce Bancshares
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Consumer, Commercial, and Wealth. The Consumer segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company also offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.
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