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 business? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, profitability, analyst recommendations, earnings, media sentiment and risk.

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 5.8%. 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 increased its dividend for 13 consecutive years.

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%

Do insiders and institutionals have more ownership in 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 insiders. Comparatively, 3.7% of First Community Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Does the media prefer CZNC or FCBC?

In the previous week, First Community Bancshares had 1 more articles in the media than Citizens & Northern. MarketBeat recorded 3 mentions for First Community Bancshares and 2 mentions for Citizens & Northern. First Community Bancshares' average media sentiment score of 1.14 beat Citizens & Northern's score of 0.91 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)	0 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)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, CZNC or FCBC?

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

Which has preferable valuation and 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	1.92	$25.96M	$1.75	11.12
First Community Bancshares	$155.82M	4.68	$51.60M	$2.77	14.40

Summary

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