CIZN vs. BOTJ, BAFN, PBHC, BRBS, FUSB, AUBN, BMTX, BKSC, UBCP, and SI
Should you be buying Citizens stock or one of its competitors? The main competitors of Citizens include Bank of the James Financial Group (BOTJ), BayFirst Financial (BAFN), Pathfinder Bancorp (PBHC), Blue Ridge Bankshares (BRBS), First US Bancshares (FUSB), Auburn National Bancorporation (AUBN), BM Technologies (BMTX), Bank of South Carolina (BKSC), United Bancorp (UBCP), and Silvergate Capital (SI). These companies are all part of the "state commercial banks" industry.
Citizens (NASDAQ:CIZN) and Bank of the James Financial Group (NASDAQ:BOTJ) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, risk, earnings, institutional ownership, community ranking, media sentiment, analyst recommendations, profitability and dividends.
In the previous week, Citizens had 1 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 2 mentions for Citizens and 1 mentions for Bank of the James Financial Group. Citizens' average media sentiment score of 0.34 beat Bank of the James Financial Group's score of -0.11 indicating that Citizens is being referred to more favorably in the media.
9.7% of Citizens shares are held by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are held by institutional investors. 8.9% of Citizens shares are held by company insiders. Comparatively, 15.3% of Bank of the James Financial Group shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Bank of the James Financial Group has a net margin of 16.45% compared to Citizens' net margin of 5.28%. Bank of the James Financial Group's return on equity of 16.31% beat Citizens' return on equity.
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 54.86% of users gave Citizens an outperform vote.
Citizens pays an annual dividend of $0.64 per share and has a dividend yield of 8.3%. 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 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 pays out 20.5% of its earnings in the form of a dividend.
Bank of the James Financial Group has lower revenue, but higher 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.
Summary
Bank of the James Financial Group beats Citizens on 10 of the 16 factors compared between the two stocks.
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.
Citizens Competitors List
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