CZNC vs. WTBA, SONA, EBTC, RBB, CSTR, PEBO, SASR, GABC, LBAI, and SBSI
Should you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include West Bancorporation (WTBA), Southern National Bancorp of Virginia (SONA), Enterprise Bancorp (EBTC), RBB Bancorp (RBB), CapStar Financial (CSTR), Peoples Bancorp (PEBO), Sandy Spring Bancorp (SASR), German American Bancorp (GABC), Lakeland Bancorp (LBAI), and Southside Bancshares (SBSI).
Citizens & Northern (NASDAQ:CZNC) and West Bancorporation (NASDAQ:WTBA) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, valuation, analyst recommendations, earnings, media sentiment, institutional ownership, community ranking, risk and dividends.
Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.4%. West Bancorporation pays an annual dividend of $1.00 per share and has a dividend yield of 5.8%. Citizens & Northern pays out 73.7% of its earnings in the form of a dividend. West Bancorporation pays out 75.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Citizens & Northern is clearly the better dividend stock, given its higher yield and lower payout ratio.
Citizens & Northern has higher earnings, but lower revenue than West Bancorporation. Citizens & Northern is trading at a lower price-to-earnings ratio than West Bancorporation, indicating that it is currently the more affordable of the two stocks.
Citizens & Northern currently has a consensus target price of $21.00, suggesting a potential upside of 19.79%. West Bancorporation has a consensus target price of $21.50, suggesting a potential upside of 24.13%. Given West Bancorporation's higher possible upside, analysts plainly believe West Bancorporation is more favorable than Citizens & Northern.
In the previous week, Citizens & Northern had 4 more articles in the media than West Bancorporation. MarketBeat recorded 5 mentions for Citizens & Northern and 1 mentions for West Bancorporation. West Bancorporation's average media sentiment score of 1.89 beat Citizens & Northern's score of 1.42 indicating that West Bancorporation is being referred to more favorably in the news media.
Citizens & Northern has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, West Bancorporation has a beta of 0.93, meaning that its stock price is 7% less volatile than the S&P 500.
Citizens & Northern received 51 more outperform votes than West Bancorporation when rated by MarketBeat users. Likewise, 52.30% of users gave Citizens & Northern an outperform vote while only 46.55% of users gave West Bancorporation an outperform vote.
Citizens & Northern has a net margin of 16.20% compared to West Bancorporation's net margin of 12.48%. West Bancorporation's return on equity of 10.16% beat Citizens & Northern's return on equity.
30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 44.3% of West Bancorporation shares are owned by institutional investors. 3.7% of Citizens & Northern shares are owned by company insiders. Comparatively, 4.5% of West Bancorporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Summary
Citizens & Northern beats West Bancorporation on 10 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZNC 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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