Citizens & Northern (CZNC) Competitors $18.81 -0.52 (-2.69%) (As of 05:26 PM ET) Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrends CZNC vs. SBSI, CTBI, UVSP, HFWA, EGBN, FCBC, CPF, HAFC, MBWM, and HBNCShould you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include Southside Bancshares (SBSI), Community Trust Bancorp (CTBI), Univest Financial (UVSP), Heritage Financial (HFWA), Eagle Bancorp (EGBN), First Community Bankshares (FCBC), Central Pacific Financial (CPF), Hanmi Financial (HAFC), Mercantile Bank (MBWM), and Horizon Bancorp (HBNC). These companies are all part of the "regional banks" industry. Citizens & Northern vs. Southside Bancshares Community Trust Bancorp Univest Financial Heritage Financial Eagle Bancorp First Community Bankshares Central Pacific Financial Hanmi Financial Mercantile Bank Horizon Bancorp Southside Bancshares (NASDAQ:SBSI) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, dividends, media sentiment, earnings, community ranking, analyst recommendations, profitability and risk. Is SBSI or CZNC more profitable? Southside Bancshares has a net margin of 18.94% compared to Citizens & Northern's net margin of 14.47%. Southside Bancshares' return on equity of 10.64% beat Citizens & Northern's return on equity.Company Net Margins Return on Equity Return on Assets Southside Bancshares18.94% 10.64% 1.01% Citizens & Northern 14.47%8.28%0.86% Does the MarketBeat Community prefer SBSI or CZNC? Southside Bancshares received 14 more outperform votes than Citizens & Northern when rated by MarketBeat users. However, 52.13% of users gave Citizens & Northern an outperform vote while only 42.20% of users gave Southside Bancshares an outperform vote. CompanyUnderperformOutperformSouthside BancsharesOutperform Votes17342.20% Underperform Votes23757.80% Citizens & NorthernOutperform Votes15952.13% Underperform Votes14647.87% Does the media prefer SBSI or CZNC? In the previous week, Citizens & Northern had 2 more articles in the media than Southside Bancshares. MarketBeat recorded 2 mentions for Citizens & Northern and 0 mentions for Southside Bancshares. Citizens & Northern's average media sentiment score of 0.97 beat Southside Bancshares' score of 0.00 indicating that Citizens & Northern is being referred to more favorably in the news media. Company Overall Sentiment Southside Bancshares Neutral Citizens & Northern Positive Do insiders & institutionals believe in SBSI or CZNC? 55.7% of Southside Bancshares shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 5.9% of Southside Bancshares shares are held by insiders. Comparatively, 4.0% of Citizens & Northern shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth. Is SBSI or CZNC a better dividend stock? Southside Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 4.4%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.0%. Southside Bancshares pays out 52.0% of its earnings in the form of a dividend. Citizens & Northern pays out 77.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Southside Bancshares has raised its dividend for 30 consecutive years. Which has stronger earnings and valuation, SBSI or CZNC? Southside Bancshares has higher revenue and earnings than Citizens & Northern. Southside Bancshares is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioSouthside Bancshares$248.79M3.96$86.69M$2.7711.74Citizens & Northern$103.80M2.79$24.15M$1.4413.06 Do analysts prefer SBSI or CZNC? Southside Bancshares presently has a consensus target price of $37.00, indicating a potential upside of 13.74%. Given Southside Bancshares' higher probable upside, analysts plainly believe Southside Bancshares is more favorable than Citizens & Northern.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Southside Bancshares 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00Citizens & Northern 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Which has more risk and volatility, SBSI or CZNC? Southside Bancshares has a beta of 0.56, suggesting that its stock price is 44% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.47, suggesting that its stock price is 53% less volatile than the S&P 500. SummarySouthside Bancshares beats Citizens & Northern on 14 of the 19 factors compared between the two stocks. Ad Crypto Swap ProfitsURGENT: This Altcoin Opportunity Won’t Wait – Act NowIt’s here. This is the moment we’ve been waiting for. The next 3-6 months in crypto will be absolutely life-changing for those who are prepared. Why? Because altcoin prices are about to explode.>> Register for the Workshop Now Get Citizens & Northern News Delivered to You Automatically Sign up to receive the latest news and ratings for CZNC and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart CZNC vs. The Competition Export to ExcelMetricCitizens & NorthernState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$289.94M$3.07B$10.17B$8.97BDividend Yield5.67%3.49%10.36%4.06%P/E Ratio13.0616.5348.0816.94Price / Sales2.793.333,157.46116.20Price / Cash11.0111.2830.5937.95Price / Book1.091.262.664.71Net Income$24.15M$406.76M$1.02B$225.20M7 Day Performance-7.07%-6.24%-3.63%-3.77%1 Month Performance-6.46%-4.29%-2.36%4.45%1 Year Performance-14.46%17.84%13.30%18.66% Citizens & Northern Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZNCCitizens & Northern4.1193 of 5 stars$18.81-2.7%N/A-14.4%$289.94M$103.80M13.06404Short Interest ↓SBSISouthside Bancshares3.2542 of 5 stars$35.54+1.1%$37.00+4.1%+8.6%$1.08B$395.58M12.69815Positive NewsCTBICommunity Trust Bancorp3.7973 of 5 stars$57.87+0.1%$57.67-0.4%+33.3%$1.05B$326.31M13.13930Short Interest ↓News CoveragePositive NewsUVSPUnivest Financial1.9151 of 5 stars$31.98+0.5%$28.00-12.4%+44.2%$928.80M$293.80M12.82920News CoverageHFWAHeritage Financial3.7888 of 5 stars$26.36+0.7%$25.00-5.2%+19.1%$900.30M$210.51M24.23748EGBNEagle Bancorp1.8332 of 5 stars$29.22+0.6%$29.50+1.0%-6.0%$882.50M$309.65M-20.90500Positive NewsFCBCFirst Community Bankshares3.1668 of 5 stars$45.84+0.3%$38.00-17.1%+21.5%$838.41M$174.62M16.38591CPFCentral Pacific Financial4.1286 of 5 stars$30.65-0.8%$24.00-21.7%+54.8%$829.54M$248.92M14.72696Short Interest ↑HAFCHanmi Financial4.7814 of 5 stars$26.27+1.0%$24.38-7.2%+31.8%$793.25M$232.51M12.50615Short Interest ↓Positive NewsMBWMMercantile Bank3.2874 of 5 stars$48.65-1.0%$54.50+12.0%+21.0%$785.31M$229.89M9.87670HBNCHorizon Bancorp4.7619 of 5 stars$17.73+0.8%$18.33+3.4%+25.3%$775.07M$185.07M37.43818 Related Companies and Tools Related Companies Southside Bancshares Competitors Community Trust Bancorp Competitors Univest Financial Competitors Heritage Financial Competitors Eagle Bancorp Competitors First Community Bankshares Competitors Central Pacific Financial Competitors Hanmi Financial Competitors Mercantile Bank Competitors Horizon Bancorp Competitors Top 10 Stock Comparisons Bank Stocks Artificial Intelligence Stocks Toy Stocks Growth Stocks Airline Stocks Chinese Stocks EV Charging Stocks Defense Stocks Lithium Stocks Pharmaceutical Stocks This page (NASDAQ:CZNC) was last updated on 12/18/2024 by MarketBeat.com Staff From Our PartnersUncover the Top Gold Stock of the Bull MarketGold Stocks Are Surging—Is West Red Lake Gold Mines Your Next Profit Play?Huge Alerts | SponsoredMedia Humiliated: Demo of Elon’s Tech Proves They’re WrongElon Musk believes his new AI product will be worth an incredible $9 trillion. 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