Citizens & Northern (CZNC) Competitors

Citizens & Northern (NASDAQ:CZNC) and Southern National Bancorp of Virginia (NASDAQ:SONA) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, media sentiment, analyst recommendations, institutional ownership, risk, dividends, earnings, profitability and community ranking.

Does the MarketBeat Community prefer CZNC or SONA?

Southern National Bancorp of Virginia received 14 more outperform votes than Citizens & Northern when rated by MarketBeat users. However, 52.30% of users gave Citizens & Northern an outperform vote while only 41.39% of users gave Southern National Bancorp of Virginia an outperform vote.

Company	Underperform	Outperform
Citizens & Northern	Outperform Votes 159 52.30%	Underperform Votes 145 47.70%
Southern National Bancorp of Virginia	Outperform Votes 173 41.39%	Underperform Votes 245 58.61%

Is CZNC or SONA a better dividend stock?

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.6%. Southern National Bancorp of Virginia pays an annual dividend of $0.40 per share and has a dividend yield of 3.3%. 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. Southern National Bancorp of Virginia pays out 27.0% of its earnings in the form of a dividend.

Does the media refer more to CZNC or SONA?

In the previous week, Citizens & Northern had 4 more articles in the media than Southern National Bancorp of Virginia. MarketBeat recorded 4 mentions for Citizens & Northern and 0 mentions for Southern National Bancorp of Virginia. Citizens & Northern's average media sentiment score of 0.51 beat Southern National Bancorp of Virginia's score of 0.00 indicating that Citizens & Northern is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens & Northern	Positive
Southern National Bancorp of Virginia	Neutral

Which has more risk & volatility, CZNC or SONA?

Citizens & Northern has a beta of 0.46, meaning that its share price is 54% less volatile than the S&P 500. Comparatively, Southern National Bancorp of Virginia has a beta of 1.02, meaning that its share price is 2% more volatile than the S&P 500.

Which has stronger earnings and valuation, CZNC or SONA?

Southern National Bancorp of Virginia has higher revenue and earnings than Citizens & Northern. Southern National Bancorp of Virginia 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	$103.80M	3.00	$24.15M	$1.44	14.01
Southern National Bancorp of Virginia	$133.11M	2.23	$33.17M	$1.48	8.22

Is CZNC or SONA more profitable?

Southern National Bancorp of Virginia has a net margin of 17.12% compared to Citizens & Northern's net margin of 14.47%. Citizens & Northern's return on equity of 8.28% beat Southern National Bancorp of Virginia's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	14.47%	8.28%	0.86%
Southern National Bancorp of Virginia	17.12%	7.23%	0.94%

Do institutionals & insiders hold more shares of CZNC or SONA?

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 77.2% of Southern National Bancorp of Virginia shares are owned by institutional investors. 3.7% of Citizens & Northern shares are owned by insiders. Comparatively, 5.9% of Southern National Bancorp of Virginia shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Southern National Bancorp of Virginia beats Citizens & Northern on 10 of the 17 factors compared between the two stocks.