Citizens & Northern (CZNC) Competitors

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

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 3.3%. 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.

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%

Do analysts prefer 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

Do insiders & institutionals believe in FCBC or CZNC?

35.0% of First Community Bancshares shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 3.7% of First Community Bancshares shares are owned by insiders. Comparatively, 4.5% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Does the media favor FCBC or CZNC?

In the previous week, First Community Bancshares had 1 more articles in the media than Citizens & Northern. MarketBeat recorded 1 mentions for First Community Bancshares and 0 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.33 beat First Community Bancshares' score of -1.05 indicating that Citizens & Northern is being referred to more favorably in the news media.

Company	Overall Sentiment
First Community Bancshares	Negative
Citizens & Northern	Positive

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	3.74	$51.60M	$2.73	13.87
Citizens & Northern	$109.93M	2.84	$25.96M	$1.75	11.50

Which has more volatility and risk, FCBC or CZNC?

First Community Bancshares has a beta of 0.65, meaning that its share price is 35% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500.

Summary

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