Citizens & Northern (CZNC) Competitors

Citizens & Northern (NASDAQ:CZNC) and Preferred Bank (NASDAQ:PFBC) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, institutional ownership, valuation, media sentiment, community ranking, analyst recommendations, risk, profitability and earnings.

Does the media refer more to CZNC or PFBC?

In the previous week, Preferred Bank had 8 more articles in the media than Citizens & Northern. MarketBeat recorded 9 mentions for Preferred Bank and 1 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.36 beat Preferred Bank's score of 0.96 indicating that Citizens & Northern is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens & Northern	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Preferred Bank	6 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals and insiders have more ownership in CZNC or PFBC?

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 72.8% of Preferred Bank shares are owned by institutional investors. 4.5% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Which has higher valuation and earnings, CZNC or PFBC?

Preferred Bank has higher revenue and earnings than Citizens & Northern. Preferred Bank is trading at a lower price-to-earnings ratio than Citizens & Northern, 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 & Northern	$106.51M	2.74	$25.96M	$1.69	11.15
Preferred Bank	$283.96M	4.12	$130.66M	$9.63	8.41

Is CZNC or PFBC more profitable?

Preferred Bank has a net margin of 25.00% compared to Citizens & Northern's net margin of 16.50%. Preferred Bank's return on equity of 17.80% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	16.50%	9.71%	1.00%
Preferred Bank	25.00%	17.80%	1.91%

Is CZNC or PFBC a better dividend stock?

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.9%. Preferred Bank pays an annual dividend of $3.00 per share and has a dividend yield of 3.7%. Citizens & Northern pays out 66.3% of its earnings in the form of a dividend. Preferred Bank pays out 31.2% 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.

Which has more risk & volatility, CZNC or PFBC?

Citizens & Northern has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500. Comparatively, Preferred Bank has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500.

Do analysts rate CZNC or PFBC?

Preferred Bank has a consensus price target of $104.00, indicating a potential upside of 28.35%. Given Preferred Bank's stronger consensus rating and higher probable upside, analysts plainly believe Preferred Bank is more favorable than Citizens & Northern.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Preferred Bank	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Does the MarketBeat Community favor CZNC or PFBC?

Preferred Bank received 168 more outperform votes than Citizens & Northern when rated by MarketBeat users. Likewise, 66.33% of users gave Preferred Bank an outperform vote while only 52.10% of users gave Citizens & Northern an outperform vote.

Company	Underperform	Outperform
Citizens & Northern	Outperform Votes 161 52.10%	Underperform Votes 148 47.90%
Preferred Bank	Outperform Votes 329 66.33%	Underperform Votes 167 33.67%

Summary

Preferred Bank beats Citizens & Northern on 16 of the 20 factors compared between the two stocks.