Financial Survey: WCF Bancorp (OTCMKTS:WCFB) & Commercial National Financial (OTCMKTS:CNAF)

Profitability

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

	Net Margins	Return on Equity	Return on Assets
WCF Bancorp	N/A	N/A	N/A
Commercial National Financial	10.67%	N/A	N/A

Insider and Institutional Ownership

3.6% of Commercial National Financial shares are owned by institutional investors. 0.8% of WCF Bancorp shares are owned by company insiders. Comparatively, 22.4% of Commercial National Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.7%. Commercial National Financial pays an annual dividend of $0.44 per share and has a dividend yield of 5.5%. Commercial National Financial pays out 68.8% of its earnings in the form of a dividend.

Valuation and Earnings

This table compares WCF Bancorp and Commercial National Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$11.85 million	1.18	-$40,000.00	N/A	N/A
Commercial National Financial	$17.37 million	1.32	$1.84 million	$0.64	12.48

Commercial National Financial has higher revenue and earnings than WCF Bancorp.

Risk and Volatility

WCF Bancorp has a beta of 0.04, meaning that its share price is 96% less volatile than the S&P 500. Comparatively, Commercial National Financial has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.

Summary

Commercial National Financial beats WCF Bancorp on 8 of the 9 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

About Commercial National Financial

Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking products and 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 home-equity, personal lines of credit, personal, and automobile loans, as well as residential and construction mortgages; and commercial loans, 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 1990 and is headquartered in Latrobe, Pennsylvania.