Citizens (CIZN) Competitors

Citizens (NASDAQ:CIZN) and Landmark Bancorp (NASDAQ:LARK) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, profitability, risk, institutional ownership, dividends, media sentiment, valuation and earnings.

Do analysts recommend CIZN or LARK?

Citizens presently has a consensus target price of $23.00, suggesting a potential upside of 246.39%. Given Citizens' stronger consensus rating and higher possible upside, research analysts clearly believe Citizens is more favorable than Landmark Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Landmark Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is CIZN or LARK a better dividend stock?

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.2%. Landmark Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 3.1%. Citizens pays out 8.4% of its earnings in the form of a dividend. Landmark Bancorp pays out 29.8% 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. Citizens has increased its dividend for 1 consecutive years and Landmark Bancorp has increased its dividend for 6 consecutive years. Landmark Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do institutionals and insiders hold more shares of CIZN or LARK?

9.7% of Citizens shares are held by institutional investors. Comparatively, 25.7% of Landmark Bancorp shares are held by institutional investors. 8.9% of Citizens shares are held by company insiders. Comparatively, 12.8% of Landmark Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Does the media refer more to CIZN or LARK?

In the previous week, Landmark Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for Landmark Bancorp and 0 mentions for Citizens. Landmark Bancorp's average media sentiment score of 0.58 beat Citizens' score of 0.00 indicating that Landmark Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Citizens	Neutral
Landmark Bancorp	Positive

Is CIZN or LARK more profitable?

Landmark Bancorp has a net margin of 17.55% compared to Citizens' net margin of 7.00%. Landmark Bancorp's return on equity of 12.09% beat Citizens' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens	7.00%	11.28%	0.37%
Landmark Bancorp	17.55%	12.09%	1.08%

Which has higher earnings and valuation, CIZN or LARK?

Landmark Bancorp has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than Landmark Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens	$40.95M	0.92	$5.49M	$0.95	6.99
Landmark Bancorp	$89.35M	1.73	$13M	$2.82	9.47

Which has more risk and volatility, CIZN or LARK?

Citizens has a beta of -0.02, suggesting that its share price is 102% less volatile than the S&P 500. Comparatively, Landmark Bancorp has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500.

Summary

Landmark Bancorp beats Citizens on 15 of the 19 factors compared between the two stocks.