Citizens & Northern (CZNC) Competitors

Citizens & Northern (NASDAQ:CZNC) and First Community Bancshares (NASDAQ:FCBC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, risk, valuation, profitability, earnings and media sentiment.

Which has more risk & volatility, CZNC or FCBC?

Citizens & Northern has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, First Community Bancshares has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500.

Do analysts rate CZNC or FCBC?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
First Community Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do insiders and institutionals hold more shares of CZNC or FCBC?

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 35.0% of First Community Bancshares shares are held by institutional investors. 4.5% of Citizens & Northern shares are held by company insiders. Comparatively, 3.7% of First Community Bancshares shares are held 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.

Is CZNC or FCBC a better dividend stock?

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.6%. First Community Bancshares pays an annual dividend of $1.24 per share and has a dividend yield of 3.1%. Citizens & Northern pays out 64.0% of its earnings in the form of a dividend. First Community Bancshares pays out 44.8% 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 Community Bancshares has raised its dividend for 13 consecutive years.

Does the media prefer CZNC or FCBC?

In the previous week, Citizens & Northern had 3 more articles in the media than First Community Bancshares. MarketBeat recorded 5 mentions for Citizens & Northern and 2 mentions for First Community Bancshares. First Community Bancshares' average media sentiment score of 1.73 beat Citizens & Northern's score of 0.89 indicating that First Community Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens & Northern	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Community Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has higher valuation & earnings, CZNC or FCBC?

First Community Bancshares has lower revenue, but higher earnings than Citizens & Northern. Citizens & Northern is trading at a lower price-to-earnings ratio than First Community Bancshares, 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 & Northern	$157.29M	1.96	$25.96M	$1.75	11.36
First Community Bancshares	$155.82M	4.73	$51.60M	$2.77	14.57

Is CZNC or FCBC more profitable?

First Community Bancshares has a net margin of 27.24% compared to Citizens & Northern's net margin of 16.92%. First Community Bancshares' return on equity of 10.09% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	16.92%	9.80%	1.03%
First Community Bancshares	27.24%	10.09%	1.60%

Summary

First Community Bancshares beats Citizens & Northern on 12 of the 17 factors compared between the two stocks.