Citizens & Northern (CZNC) Competitors

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

Which has better earnings and valuation, FCBC or CZNC?

First Community Bancshares has higher revenue and 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
First Community Bancshares	$185.53M	3.61	$51.60M	$2.73	13.38
Citizens & Northern	$109.93M	2.81	$25.96M	$1.75	11.39

Do institutionals & insiders have more ownership in FCBC or CZNC?

35.0% of First Community Bancshares shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 3.7% of First Community Bancshares shares are held by insiders. Comparatively, 4.5% of Citizens & Northern shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Is FCBC or CZNC more profitable?

First Community Bancshares has a net margin of 27.07% compared to Citizens & Northern's net margin of 16.77%. First Community Bancshares' return on equity of 9.68% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Community Bancshares	27.07%	9.68%	1.54%
Citizens & Northern	16.77%	9.60%	1.02%

Is FCBC or CZNC a better dividend stock?

First Community Bancshares pays an annual dividend of $1.24 per share and has a dividend yield of 3.4%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.6%. First Community Bancshares pays out 45.4% of its earnings in the form of a dividend. Citizens & Northern pays out 64.0% 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 Community Bancshares has increased its dividend for 13 consecutive years.

Which has more risk and volatility, FCBC or CZNC?

First Community Bancshares has a beta of 0.68, meaning that its share price is 32% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500.

Do analysts rate FCBC or CZNC?

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

Does the media favor FCBC or CZNC?

In the previous week, Citizens & Northern had 1 more articles in the media than First Community Bancshares. MarketBeat recorded 2 mentions for Citizens & Northern and 1 mentions for First Community Bancshares. First Community Bancshares' average media sentiment score of 1.89 beat Citizens & Northern's score of 1.22 indicating that First Community Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
First Community Bancshares	Very Positive
Citizens & Northern	Positive

Summary

First Community Bancshares beats Citizens & Northern on 13 of the 17 factors compared between the two stocks.