CZNC vs. WTBA, BSRR, BMRC, MOFG, EBTC, CFFI, CCNE, PWOD, THFF, and CPF
Should you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include West Bancorporation (WTBA), Sierra Bancorp (BSRR), Bank of Marin Bancorp (BMRC), MidWestOne Financial Group (MOFG), Enterprise Bancorp (EBTC), C&F Financial (CFFI), CNB Financial (CCNE), Penns Woods Bancorp (PWOD), First Financial (THFF), and Central Pacific Financial (CPF). These companies are all part of the "regional banks" industry.
West Bancorporation (NASDAQ:WTBA) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, community ranking, institutional ownership, media sentiment, earnings, dividends, profitability, valuation and risk.
In the previous week, West Bancorporation and West Bancorporation both had 1 articles in the media. Citizens & Northern's average media sentiment score of 1.28 beat West Bancorporation's score of 0.50 indicating that West Bancorporation is being referred to more favorably in the media.
West Bancorporation has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500.
West Bancorporation currently has a consensus price target of $21.50, indicating a potential upside of 35.22%. Citizens & Northern has a consensus price target of $23.50, indicating a potential upside of 32.47%. Given Citizens & Northern's higher probable upside, equities research analysts clearly believe West Bancorporation is more favorable than Citizens & Northern.
West Bancorporation has higher revenue and earnings than Citizens & Northern. West Bancorporation is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.
West Bancorporation pays an annual dividend of $1.00 per share and has a dividend yield of 6.3%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.3%. West Bancorporation pays out 49.0% of its earnings in the form of a dividend. Citizens & Northern pays out 70.9% 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. West Bancorporation has raised its dividend for 2 consecutive years.
Citizens & Northern received 51 more outperform votes than West Bancorporation when rated by MarketBeat users. Likewise, 54.64% of users gave Citizens & Northern an outperform vote while only 47.37% of users gave West Bancorporation an outperform vote.
43.8% of West Bancorporation shares are held by institutional investors. Comparatively, 29.1% of Citizens & Northern shares are held by institutional investors. 4.1% of West Bancorporation shares are held by insiders. Comparatively, 3.7% of Citizens & Northern shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
West Bancorporation has a net margin of 22.13% compared to West Bancorporation's net margin of 19.15%. Citizens & Northern's return on equity of 16.23% beat West Bancorporation's return on equity.
Summary
West Bancorporation beats Citizens & Northern on 12 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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