Citizens (CIZN) Competitors

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

Which has higher earnings and valuation, FUNC or CIZN?

First United has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than First United, 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 United	$79.79M	2.27	$20.57M	$3.15	8.89
Citizens	$40.95M	0.98	$5.49M	$0.98	7.24

Does the media favor FUNC or CIZN?

In the previous week, First United had 1 more articles in the media than Citizens. MarketBeat recorded 2 mentions for First United and 1 mentions for Citizens. First United's average media sentiment score of 1.22 beat Citizens' score of 0.00 indicating that First United is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First United	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Citizens	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is FUNC or CIZN a better dividend stock?

First United pays an annual dividend of $0.88 per share and has a dividend yield of 3.1%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.1%. First United pays out 27.9% of its earnings in the form of a dividend. Citizens pays out 8.2% 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.

Is FUNC or CIZN more profitable?

First United has a net margin of 18.45% compared to Citizens' net margin of 7.00%. First United's return on equity of 12.51% beat Citizens' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First United	18.45%	12.51%	1.11%
Citizens	7.00%	11.28%	0.37%

Does the MarketBeat Community favor FUNC or CIZN?

First United received 45 more outperform votes than Citizens when rated by MarketBeat users. Likewise, 64.68% of users gave First United an outperform vote while only 44.24% of users gave Citizens an outperform vote.

Company	Underperform	Outperform
First United	Outperform Votes 141 64.68%	Underperform Votes 77 35.32%
Citizens	Outperform Votes 96 44.24%	Underperform Votes 121 55.76%

Do insiders & institutionals believe in FUNC or CIZN?

33.3% of First United shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 7.9% of First United shares are held by insiders. Comparatively, 8.9% of Citizens shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Which has more risk & volatility, FUNC or CIZN?

First United has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500. Comparatively, Citizens has a beta of 0.02, suggesting that its stock price is 98% less volatile than the S&P 500.

Do analysts rate FUNC or CIZN?

First United presently has a consensus price target of $42.00, suggesting a potential upside of 50.00%. Given First United's stronger consensus rating and higher possible upside, analysts plainly believe First United is more favorable than Citizens.

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

Summary

First United beats Citizens on 18 of the 20 factors compared between the two stocks.