Citizens (CIZN) Competitors

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

Which has more volatility and risk, FXNC or CIZN?

First National has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500. Comparatively, Citizens has a beta of 0.02, suggesting that its stock price is 98% less volatile than the S&P 500.

Does the media prefer FXNC or CIZN?

In the previous week, First National had 2 more articles in the media than Citizens. MarketBeat recorded 4 mentions for First National and 2 mentions for Citizens. First National's average media sentiment score of 0.88 beat Citizens' score of 0.00 indicating that First National is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First National	0 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Citizens	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral

Does the MarketBeat Community prefer FXNC or CIZN?

Citizens received 93 more outperform votes than First National when rated by MarketBeat users. Likewise, 43.84% of users gave Citizens an outperform vote while only 37.50% of users gave First National an outperform vote.

Company	Underperform	Outperform
First National	Outperform Votes 3 37.50%	Underperform Votes 5 62.50%
Citizens	Outperform Votes 96 43.84%	Underperform Votes 123 56.16%

Do institutionals and insiders hold more shares of FXNC or CIZN?

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

Is FXNC or CIZN 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
First National	7.51%	12.09%	1.01%
Citizens	7.00%	11.28%	0.37%

Is FXNC or CIZN a better dividend stock?

First National pays an annual dividend of $0.62 per share and has a dividend yield of 3.2%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. First National pays out 53.4% of its earnings in the form of a dividend. Citizens pays out 10.0% 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.

Which has stronger earnings & valuation, FXNC or CIZN?

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
First National	$64.40M	2.72	$6.97M	$1.16	16.81
Citizens	$40.95M	1.19	$5.49M	$0.80	10.81

Do analysts prefer FXNC or CIZN?

First National presently has a consensus price target of $24.75, suggesting a potential upside of 26.92%. Given First National's stronger consensus rating and higher probable upside, analysts clearly believe First National is more favorable than Citizens.

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

Summary

First National beats Citizens on 16 of the 19 factors compared between the two stocks.