PCB vs. CZFS, CIVB, BCML, FVCB, SSBK, LNKB, CHMG, NWFL, MVBF, and SBNY
Should you be buying PCB Bancorp stock or one of its competitors? The main competitors of PCB Bancorp include Citizens Financial Services (CZFS), Civista Bancshares (CIVB), BayCom (BCML), FVCBankcorp (FVCB), Southern States Bancshares (SSBK), LINKBANCORP (LNKB), Chemung Financial (CHMG), Norwood Financial (NWFL), MVB Financial (MVBF), and Signature Bank (SBNY). These companies are all part of the "state commercial banks" industry.
PCB Bancorp (NASDAQ:PCB) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, media sentiment, risk, analyst recommendations, dividends, valuation, community ranking and profitability.
Citizens Financial Services received 6 more outperform votes than PCB Bancorp when rated by MarketBeat users. Likewise, 69.23% of users gave Citizens Financial Services an outperform vote while only 48.00% of users gave PCB Bancorp an outperform vote.
PCB Bancorp has higher earnings, but lower revenue than Citizens Financial Services. PCB Bancorp is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks.
PCB Bancorp has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500.
33.0% of PCB Bancorp shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 25.0% of PCB Bancorp shares are owned by company insiders. Comparatively, 6.3% of Citizens Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
PCB Bancorp has a net margin of 14.69% compared to Citizens Financial Services' net margin of 11.63%. Citizens Financial Services' return on equity of 10.57% beat PCB Bancorp's return on equity.
PCB Bancorp currently has a consensus price target of $17.00, suggesting a potential upside of 9.40%. Citizens Financial Services has a consensus price target of $53.00, suggesting a potential upside of 11.81%. Given Citizens Financial Services' stronger consensus rating and higher possible upside, analysts plainly believe Citizens Financial Services is more favorable than PCB Bancorp.
In the previous week, Citizens Financial Services had 2 more articles in the media than PCB Bancorp. MarketBeat recorded 5 mentions for Citizens Financial Services and 3 mentions for PCB Bancorp. Citizens Financial Services' average media sentiment score of 0.72 beat PCB Bancorp's score of 0.58 indicating that Citizens Financial Services is being referred to more favorably in the news media.
PCB Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 4.6%. Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.1%. PCB Bancorp pays out 41.1% of its earnings in the form of a dividend. Citizens Financial Services pays out 53.1% 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. PCB Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.
Summary
Citizens Financial Services beats PCB Bancorp on 12 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding PCB 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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