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 valuation, profitability, dividends, media sentiment, risk, institutional ownership, earnings and analyst recommendations.

Does the media refer more to FXNC or CIZN?

In the previous week, First National had 2 more articles in the media than Citizens. MarketBeat recorded 2 mentions for First National and 0 mentions for Citizens. Citizens' average media sentiment score of 1.32 beat First National's score of 0.00 indicating that Citizens is being referred to more favorably in the news media.

Company	Overall Sentiment
First National	Neutral
Citizens	Positive

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 2.8%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.1%. First National pays out 74.7% 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. First National has raised its dividend for 10 consecutive years and Citizens has raised its dividend for 1 consecutive years. First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts rate FXNC or CIZN?

First National currently has a consensus target price of $24.75, suggesting a potential upside of 12.09%. Citizens has a consensus target price of $26.00, suggesting a potential upside of 245.29%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly believe Citizens is more favorable than First National.

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)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is FXNC or CIZN more profitable?

Citizens has a net margin of 7.00% compared to First National's net margin of 5.36%. Citizens' return on equity of 11.28% beat First National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First National	5.36%	10.04%	0.84%
Citizens	7.00%	11.28%	0.37%

Do institutionals & insiders believe in FXNC or CIZN?

33.9% of First National shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 14.3% of First National shares are held by insiders. Comparatively, 8.9% of Citizens shares are held by 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.

Which has more volatility and risk, FXNC or CIZN?

First National has a beta of 0.49, indicating that its share price is 51% less volatile than the S&P 500. Comparatively, Citizens has a beta of -0.05, indicating that its share price is 105% less volatile than the S&P 500.

Which has preferable valuation and earnings, 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	$92.70M	2.14	$6.97M	$0.83	26.60
Citizens	$40.95M	1.04	$5.49M	$0.80	9.41

Summary

First National beats Citizens on 12 of the 19 factors compared between the two stocks.