CIZN vs. UNB, OVBC, CBFV, FRAF, MYFW, PEBK, ISTR, CFFI, PWOD, and OPBK
Should you be buying Citizens stock or one of its competitors? The main competitors of Citizens include Union Bankshares (UNB), Ohio Valley Banc (OVBC), CB Financial Services (CBFV), Franklin Financial Services (FRAF), First Western Financial (MYFW), Peoples Bancorp of North Carolina (PEBK), Investar (ISTR), C&F Financial (CFFI), Penns Woods Bancorp (PWOD), and OP Bancorp (OPBK). These companies are all part of the "state commercial banks" industry.
Union Bankshares (NASDAQ:UNB) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, risk, analyst recommendations, profitability, media sentiment, dividends, earnings, valuation and community ranking.
Union Bankshares received 105 more outperform votes than Citizens when rated by MarketBeat users. Likewise, 62.42% of users gave Union Bankshares an outperform vote while only 54.55% of users gave Citizens an outperform vote.
14.8% of Union Bankshares shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 1.1% of Union Bankshares shares are held by insiders. Comparatively, 8.9% of Citizens shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Union Bankshares has a net margin of 15.19% compared to Union Bankshares' net margin of 5.28%. Citizens' return on equity of 17.85% beat Union Bankshares' return on equity.
In the previous week, Union Bankshares had 3 more articles in the media than Citizens. MarketBeat recorded 5 mentions for Union Bankshares and 2 mentions for Citizens. Citizens' average media sentiment score of 1.31 beat Union Bankshares' score of 0.00 indicating that Union Bankshares is being referred to more favorably in the media.
Union Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 6.2%. Citizens pays an annual dividend of $0.64 per share and has a dividend yield of 8.2%. Union Bankshares pays out 60.8% of its earnings in the form of a dividend. 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. Union Bankshares has increased its dividend for 11 consecutive years.
Union Bankshares has higher revenue and earnings than Citizens. Union Bankshares is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.
Summary
Union Bankshares beats Citizens on 14 of the 17 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.
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