Citizens (CIZN) Competitors

First National (NASDAQ:FXNC) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, dividends, earnings, media sentiment, valuation, risk, analyst recommendations and institutional ownership.

Is FXNC or CIZN a better dividend stock?

First National pays an annual dividend of $0.62 per share and has a dividend yield of 3.0%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.0%. First National pays out 74.7% of its earnings in the form of a dividend. Citizens pays out 10.0% 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. First National has increased its dividend for 10 consecutive years and Citizens has increased its dividend for 1 consecutive years. First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has higher valuation and earnings, FXNC or CIZN?

First National has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than First National, 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
First National	$92.70M	2.00	$6.97M	$0.83	24.89
Citizens	$40.95M	1.10	$5.49M	$0.80	9.94

Do analysts recommend FXNC or CIZN?

First National currently has a consensus price target of $24.75, indicating a potential upside of 19.80%. Citizens has a consensus price target of $26.00, indicating a potential upside of 227.04%. Given Citizens' stronger consensus rating and higher possible upside, analysts plainly believe Citizens is more favorable than First National.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Citizens	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Do insiders & institutionals believe in FXNC or CIZN?

33.9% of First National shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 14.3% of First National shares are owned by insiders. Comparatively, 8.9% of Citizens shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Which has more risk & volatility, FXNC or CIZN?

First National has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500. Comparatively, Citizens has a beta of -0.05, suggesting that its stock price is 105% less volatile than the S&P 500.

Is FXNC or CIZN more profitable?

Citizens has a net margin of 7.00% compared to First National's net margin of 5.36%. Citizens' return on equity of 11.28% beat First National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First National	5.36%	10.04%	0.84%
Citizens	7.00%	11.28%	0.37%

Does the media prefer FXNC or CIZN?

In the previous week, Citizens' average media sentiment score of 1.32 beat First National's score of 0.00 indicating that Citizens is being referred to more favorably in the news media.

Company	Overall Sentiment
First National	Neutral
Citizens	Positive

Summary

First National beats Citizens on 11 of the 18 factors compared between the two stocks.