CZNC vs. WTBA, SONA, BMRC, EBTC, BSRR, MOFG, RBB, CFFI, PWOD, and CCNE
Should you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include West Bancorporation (WTBA), Southern National Bancorp of Virginia (SONA), Bank of Marin Bancorp (BMRC), Enterprise Bancorp (EBTC), Sierra Bancorp (BSRR), MidWestOne Financial Group (MOFG), RBB Bancorp (RBB), C&F Financial (CFFI), Penns Woods Bancorp (PWOD), and CNB Financial (CCNE). These companies are all part of the "finance" sector.
West Bancorporation (NASDAQ:WTBA) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, community ranking, earnings, risk and media sentiment.
West Bancorporation has a beta of 0.93, indicating that its stock price is 7% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500.
Citizens & Northern has lower revenue, but higher earnings than West Bancorporation. Citizens & Northern is trading at a lower price-to-earnings ratio than West Bancorporation, indicating that it is currently the more affordable of the two stocks.
In the previous week, Citizens & Northern had 5 more articles in the media than West Bancorporation. MarketBeat recorded 6 mentions for Citizens & Northern and 1 mentions for West Bancorporation. Citizens & Northern's average media sentiment score of 1.59 beat West Bancorporation's score of 0.79 indicating that West Bancorporation is being referred to more favorably in the media.
Citizens & Northern received 51 more outperform votes than West Bancorporation when rated by MarketBeat users. Likewise, 52.65% of users gave Citizens & Northern an outperform vote while only 46.55% of users gave West Bancorporation an outperform vote.
44.3% of West Bancorporation shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 4.5% of West Bancorporation shares are owned by insiders. Comparatively, 4.0% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Citizens & Northern has a net margin of 16.20% compared to Citizens & Northern's net margin of 12.48%. Citizens & Northern's return on equity of 10.16% beat West Bancorporation's return on equity.
West Bancorporation pays an annual dividend of $1.00 per share and has a dividend yield of 5.7%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.4%. West Bancorporation pays out 75.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Citizens & Northern pays out 73.7% of its earnings in the form of a dividend. Citizens & Northern is clearly the better dividend stock, given its higher yield and lower payout ratio.
West Bancorporation currently has a consensus target price of $21.50, suggesting a potential upside of 22.02%. Citizens & Northern has a consensus target price of $21.00, suggesting a potential upside of 19.25%. Given Citizens & Northern's higher probable upside, analysts clearly believe West Bancorporation is more favorable than Citizens & Northern.
Summary
Citizens & Northern beats West Bancorporation on 10 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZNC 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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