Citizens & Northern (CZNC) Competitors

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

Is PFBC or CZNC a better dividend stock?

Preferred Bank pays an annual dividend of $3.00 per share and has a dividend yield of 3.5%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.5%. Preferred Bank pays out 31.2% of its earnings in the form of a dividend. Citizens & Northern pays out 66.3% 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 PFBC or CZNC 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
Preferred Bank	25.00%	17.80%	1.91%
Citizens & Northern	16.50%	9.71%	1.00%

Do insiders & institutionals believe in PFBC or CZNC?

72.8% of Preferred Bank shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 3.7% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Does the media prefer PFBC or CZNC?

In the previous week, Preferred Bank had 5 more articles in the media than Citizens & Northern. MarketBeat recorded 10 mentions for Preferred Bank and 5 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.39 beat Preferred Bank's score of 0.90 indicating that Citizens & Northern is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Preferred Bank	4 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Citizens & Northern	3 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility & risk, PFBC or CZNC?

Preferred Bank has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.

Does the MarketBeat Community believe in PFBC or CZNC?

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

Do analysts recommend PFBC or CZNC?

Preferred Bank currently has a consensus target price of $104.00, indicating a potential upside of 20.13%. Given Preferred Bank's stronger consensus rating and higher probable upside, equities analysts clearly believe Preferred Bank is more favorable than Citizens & Northern.

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

Which has better valuation & earnings, PFBC or CZNC?

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
Preferred Bank	$283.96M	4.40	$130.66M	$9.63	8.99
Citizens & Northern	$106.51M	2.97	$25.96M	$1.69	12.12

Summary

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