4. Tennessee Commerce Bancorp Shares of Tennessee Commerce Bancorp ( TNCC) of Franklin closed at $4.50 Friday, down 43% over the previous year. Based on a consensus price target of $5.75, the shares have 28% upside potential. The company had $1.5 billion in total assets as of December 31. Tennessee Commerce disclosed in a Securities and Exchange Commission filing on April 1 that its 2010 10-K report would be delayed because the company was "evaluating the impact" of an examination report from Tennessee regulators and the FDIC on its main subsidiary Tennessee Commerce Bank. In a January 21 filing, the company announced net income available to common shareholders of $1.9 million in 2010, or 24 cents a share. The consensus estimates are for Tennessee Commerce to earn 32 cents a share in 2011 and 66 cents a share in 2012. The company owes $30 million in TARP money, and raised $26.2 million in common equity in August. After the earnings announcement on January 21, Sterne Agee analyst Kenneth James reiterated his buy rating for Tennessee Commerce with a $6 price target, describing the shares as a "higher-risk, high-return opportunity for investors with a longer time horizon. Three of the four analysts covering Tennessee Commerce Bancorp rate the shares a buy, while the remaining analyst has a neutral rating.