Citizens & Northern (CZNC) Competitors

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

Which has better earnings & valuation, CZNC or PFBC?

Preferred Bank has higher revenue and earnings than Citizens & Northern. Preferred Bank is trading at a lower price-to-earnings ratio than Citizens & Northern, 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	$108.08M	2.74	$25.96M	$1.75	10.93
Preferred Bank	$283.96M	4.19	$130.66M	$9.42	8.75

Do analysts rate CZNC or PFBC?

Preferred Bank has a consensus price target of $92.33, suggesting a potential upside of 12.08%. Given Preferred Bank's stronger consensus rating and higher possible upside, analysts clearly believe Preferred Bank is more favorable than Citizens & Northern.

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
Preferred Bank	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Do insiders & institutionals hold more shares of CZNC or PFBC?

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 72.8% of Preferred Bank shares are held by institutional investors. 4.5% of Citizens & Northern shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Does the media favor CZNC or PFBC?

In the previous week, Preferred Bank had 17 more articles in the media than Citizens & Northern. MarketBeat recorded 23 mentions for Preferred Bank and 6 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.06 beat Preferred Bank's score of 0.34 indicating that Citizens & Northern is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens & Northern	3 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Preferred Bank	3 Very Positive mention(s)	2 Positive mention(s)	7 Neutral mention(s)	5 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more risk & volatility, CZNC or PFBC?

Citizens & Northern has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500. Comparatively, Preferred Bank has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500.

Is CZNC or PFBC more profitable?

Preferred Bank has a net margin of 25.00% compared to Citizens & Northern's net margin of 16.50%. Preferred Bank's return on equity of 17.80% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	16.50%	9.71%	1.00%
Preferred Bank	25.00%	17.80%	1.91%

Is CZNC or PFBC a better dividend stock?

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.9%. Preferred Bank pays an annual dividend of $3.00 per share and has a dividend yield of 3.6%. Citizens & Northern pays out 64.0% of its earnings in the form of a dividend. Preferred Bank pays out 31.8% 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.

Does the MarketBeat Community prefer CZNC or PFBC?

Preferred Bank received 169 more outperform votes than Citizens & Northern when rated by MarketBeat users. Likewise, 66.13% of users gave Preferred Bank an outperform vote while only 52.10% of users gave Citizens & Northern an outperform vote.

Company	Underperform	Outperform
Citizens & Northern	Outperform Votes 161 52.10%	Underperform Votes 148 47.90%
Preferred Bank	Outperform Votes 330 66.13%	Underperform Votes 169 33.87%

Summary

Preferred Bank beats Citizens & Northern on 16 of the 20 factors compared between the two stocks.