Citizens (CIZN) Competitors

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

Does the MarketBeat Community prefer CIZN or FXNC?

Citizens received 93 more outperform votes than First National when rated by MarketBeat users. Likewise, 43.24% of users gave Citizens an outperform vote while only 37.50% of users gave First National an outperform vote.

Company	Underperform	Outperform
Citizens	Outperform Votes 96 43.24%	Underperform Votes 126 56.76%
First National	Outperform Votes 3 37.50%	Underperform Votes 5 62.50%

Which has stronger earnings & valuation, CIZN or FXNC?

First National has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than First National, 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	$40.95M	1.18	$5.49M	$0.80	10.68
First National	$70.49M	2.63	$6.97M	$0.83	24.89

Do institutionals & insiders have more ownership in CIZN or FXNC?

9.7% of Citizens shares are held by institutional investors. Comparatively, 33.9% of First National shares are held by institutional investors. 8.9% of Citizens shares are held by insiders. Comparatively, 14.3% of First National shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Is CIZN or FXNC more profitable?

First National has a net margin of 7.51% compared to Citizens' net margin of 7.00%. First National's return on equity of 12.09% beat Citizens' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens	7.00%	11.28%	0.37%
First National	7.51%	12.09%	1.01%

Which has more risk and volatility, CIZN or FXNC?

Citizens has a beta of -0.01, meaning that its share price is 101% less volatile than the S&P 500. Comparatively, First National has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.

Does the media prefer CIZN or FXNC?

In the previous week, First National had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for First National and 0 mentions for Citizens. First National's average media sentiment score of 1.36 beat Citizens' score of 0.00 indicating that First National is being referred to more favorably in the news media.

Company	Overall Sentiment
Citizens	Neutral
First National	Positive

Do analysts recommend CIZN or FXNC?

First National has a consensus price target of $24.75, indicating a potential upside of 19.80%. Given First National's stronger consensus rating and higher possible upside, analysts plainly believe First National is more favorable than Citizens.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
First National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is CIZN or FXNC a better dividend stock?

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. First National pays an annual dividend of $0.62 per share and has a dividend yield of 3.0%. Citizens pays out 10.0% of its earnings in the form of a dividend. First National pays out 74.7% 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. Citizens has raised its dividend for 1 consecutive years and First National has raised its dividend for 10 consecutive years. First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

First National beats Citizens on 17 of the 20 factors compared between the two stocks.