BMRC vs. CZNC, WTBA, BSRR, EBTC, MOFG, CFFI, PWOD, CCNE, THFF, and WASH
Should you be buying Bank of Marin Bancorp stock or one of its competitors? The main competitors of Bank of Marin Bancorp include Citizens & Northern (CZNC), West Bancorporation (WTBA), Sierra Bancorp (BSRR), Enterprise Bancorp (EBTC), MidWestOne Financial Group (MOFG), C&F Financial (CFFI), Penns Woods Bancorp (PWOD), CNB Financial (CCNE), First Financial (THFF), and Washington Trust Bancorp (WASH). These companies are all part of the "regional banks" industry.
Bank of Marin Bancorp (NASDAQ:BMRC) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their community ranking, risk, profitability, dividends, institutional ownership, valuation, analyst recommendations, earnings and media sentiment.
Bank of Marin Bancorp presently has a consensus target price of $17.33, indicating a potential upside of 8.54%. Citizens & Northern has a consensus target price of $21.00, indicating a potential upside of 18.98%. Given Citizens & Northern's higher probable upside, analysts clearly believe Citizens & Northern is more favorable than Bank of Marin Bancorp.
Citizens & Northern has lower revenue, but higher earnings than Bank of Marin Bancorp. Citizens & Northern is trading at a lower price-to-earnings ratio than Bank of Marin Bancorp, indicating that it is currently the more affordable of the two stocks.
Bank of Marin Bancorp has a beta of 0.88, indicating that its share price is 12% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.
Citizens & Northern has a net margin of 17.51% compared to Bank of Marin Bancorp's net margin of 9.28%. Citizens & Northern's return on equity of 9.60% beat Bank of Marin Bancorp's return on equity.
In the previous week, Bank of Marin Bancorp had 8 more articles in the media than Citizens & Northern. MarketBeat recorded 12 mentions for Bank of Marin Bancorp and 4 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of -0.06 beat Bank of Marin Bancorp's score of -0.18 indicating that Citizens & Northern is being referred to more favorably in the news media.
Bank of Marin Bancorp received 115 more outperform votes than Citizens & Northern when rated by MarketBeat users. Likewise, 58.17% of users gave Bank of Marin Bancorp an outperform vote while only 52.82% of users gave Citizens & Northern an outperform vote.
52.3% of Bank of Marin Bancorp shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 5.7% of Bank of Marin Bancorp shares are owned by company insiders. Comparatively, 4.0% of Citizens & Northern shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Bank of Marin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 6.3%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.3%. Bank of Marin Bancorp pays out 120.5% 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 71.3% 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.
Summary
Bank of Marin Bancorp and Citizens & Northern tied by winning 10 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding BMRC 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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