CIZN vs. BOTJ, BRBS, BAFN, FUSB, PBHC, AUBN, BKSC, BMTX, GLBZ, and UBCP
Should you be buying Citizens stock or one of its competitors? The main competitors of Citizens include Bank of the James Financial Group (BOTJ), Blue Ridge Bankshares (BRBS), BayFirst Financial (BAFN), First US Bancshares (FUSB), Pathfinder Bancorp (PBHC), Auburn National Bancorporation (AUBN), Bank of South Carolina (BKSC), BM Technologies (BMTX), Glen Burnie Bancorp (GLBZ), and United Bancorp (UBCP). These companies are all part of the "state commercial banks" industry.
Bank of the James Financial Group (NASDAQ:BOTJ) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, institutional ownership, dividends, community ranking, analyst recommendations, media sentiment, profitability, risk and earnings.
Citizens received 16 more outperform votes than Bank of the James Financial Group when rated by MarketBeat users. However, 62.50% of users gave Bank of the James Financial Group an outperform vote while only 55.49% of users gave Citizens an outperform vote.
Bank of the James Financial Group has higher revenue and earnings than Citizens. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.
In the previous week, Bank of the James Financial Group had 7 more articles in the media than Citizens. MarketBeat recorded 8 mentions for Bank of the James Financial Group and 1 mentions for Citizens. Citizens' average media sentiment score of 0.73 beat Bank of the James Financial Group's score of 0.00 indicating that Bank of the James Financial Group is being referred to more favorably in the media.
Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 3.8%. Citizens pays an annual dividend of $0.64 per share and has a dividend yield of 8.2%. Bank of the James Financial Group pays out 20.5% of its earnings in the form of a dividend. Citizens pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Bank of the James Financial Group has increased its dividend for 1 consecutive years.
18.5% of Bank of the James Financial Group shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 15.3% of Bank of the James Financial Group shares are held by company insiders. Comparatively, 8.9% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Bank of the James Financial Group has a net margin of 16.45% compared to Bank of the James Financial Group's net margin of 5.28%. Citizens' return on equity of 16.31% beat Bank of the James Financial Group's return on equity.
Summary
Bank of the James Financial Group beats Citizens on 13 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CIZN and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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