CZNC vs. SONA, BMRC, WTBA, EBTC, BSRR, MOFG, RBB, PWOD, CFFI, and CCNE
Should you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include Southern National Bancorp of Virginia (SONA), Bank of Marin Bancorp (BMRC), West Bancorporation (WTBA), Enterprise Bancorp (EBTC), Sierra Bancorp (BSRR), MidWestOne Financial Group (MOFG), RBB Bancorp (RBB), Penns Woods Bancorp (PWOD), C&F Financial (CFFI), and CNB Financial (CCNE). These companies are all part of the "finance" sector.
Citizens & Northern (NASDAQ:CZNC) and Southern National Bancorp of Virginia (NASDAQ:SONA) 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, dividends, earnings, risk, profitability, analyst recommendations, institutional ownership, community ranking and media sentiment.
Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.0%. Southern National Bancorp of Virginia pays an annual dividend of $0.40 per share and has a dividend yield of 3.7%. Citizens & Northern pays out 73.7% of its earnings in the form of a dividend. Southern National Bancorp of Virginia pays out 27.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Southern National Bancorp of Virginia has lower revenue, but higher earnings than Citizens & Northern. Southern National Bancorp of Virginia is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.
30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 77.2% of Southern National Bancorp of Virginia shares are owned by institutional investors. 3.7% of Citizens & Northern shares are owned by insiders. Comparatively, 5.9% of Southern National Bancorp of Virginia shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Southern National Bancorp of Virginia has a net margin of 17.12% compared to Citizens & Northern's net margin of 16.20%. Citizens & Northern's return on equity of 9.17% beat Southern National Bancorp of Virginia's return on equity.
Citizens & Northern currently has a consensus price target of $21.00, indicating a potential upside of 11.64%. Given Citizens & Northern's higher probable upside, equities analysts plainly believe Citizens & Northern is more favorable than Southern National Bancorp of Virginia.
Southern National Bancorp of Virginia received 14 more outperform votes than Citizens & Northern when rated by MarketBeat users. However, 52.65% of users gave Citizens & Northern an outperform vote while only 43.69% of users gave Southern National Bancorp of Virginia an outperform vote.
Citizens & Northern has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500. Comparatively, Southern National Bancorp of Virginia has a beta of 1.02, indicating that its share price is 2% more volatile than the S&P 500.
In the previous week, Citizens & Northern had 1 more articles in the media than Southern National Bancorp of Virginia. MarketBeat recorded 1 mentions for Citizens & Northern and 0 mentions for Southern National Bancorp of Virginia. Citizens & Northern's average media sentiment score of 1.02 beat Southern National Bancorp of Virginia's score of 0.00 indicating that Citizens & Northern is being referred to more favorably in the media.
Summary
Citizens & Northern beats Southern National Bancorp of Virginia 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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