Citizens & Northern (CZNC) Competitors

Citizens & Northern (NASDAQ:CZNC) and Southern National Bancorp of Virginia (NASDAQ:SONA) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their profitability, media sentiment, earnings, dividends, analyst recommendations, community ranking, risk, valuation and institutional ownership.

Is CZNC or SONA a better dividend stock?

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.9%. Southern National Bancorp of Virginia pays an annual dividend of $0.40 per share and has a dividend yield of 3.5%. Citizens & Northern pays out 73.7% of its earnings in the form of a dividend. Southern National Bancorp of Virginia pays out 27.0% 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.

Does the MarketBeat Community believe in CZNC or SONA?

Southern National Bancorp of Virginia received 14 more outperform votes than Citizens & Northern when rated by MarketBeat users. However, 52.30% of users gave Citizens & Northern an outperform vote while only 41.79% of users gave Southern National Bancorp of Virginia an outperform vote.

Company	Underperform	Outperform
Citizens & Northern	Outperform Votes 159 52.30%	Underperform Votes 145 47.70%
Southern National Bancorp of Virginia	Outperform Votes 173 41.79%	Underperform Votes 241 58.21%

Which has more volatility and risk, CZNC or SONA?

Citizens & Northern has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500. Comparatively, Southern National Bancorp of Virginia has a beta of 1.02, indicating that its share price is 2% more volatile than the S&P 500.

Which has stronger valuation and earnings, CZNC or SONA?

Southern National Bancorp of Virginia has higher revenue and earnings than Citizens & Northern. Southern National Bancorp of Virginia 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	$102.67M	2.87	$24.15M	$1.52	12.59
Southern National Bancorp of Virginia	$133.11M	2.10	$33.17M	$1.48	7.72

Do insiders and institutionals believe in CZNC or SONA?

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 77.2% of Southern National Bancorp of Virginia shares are held by institutional investors. 3.7% of Citizens & Northern shares are held by insiders. Comparatively, 5.9% of Southern National Bancorp of Virginia shares are held by 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 SONA?

In the previous week, Citizens & Northern had 2 more articles in the media than Southern National Bancorp of Virginia. MarketBeat recorded 2 mentions for Citizens & Northern and 0 mentions for Southern National Bancorp of Virginia. Citizens & Northern's average media sentiment score of 0.00 equaled Southern National Bancorp of Virginia'saverage media sentiment score.

Company	Overall Sentiment
Citizens & Northern	Neutral
Southern National Bancorp of Virginia	Neutral

Is CZNC or SONA more profitable?

Southern National Bancorp of Virginia has a net margin of 17.12% compared to Citizens & Northern's net margin of 15.75%. Citizens & Northern's return on equity of 9.06% beat Southern National Bancorp of Virginia's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	15.75%	9.06%	0.92%
Southern National Bancorp of Virginia	17.12%	7.23%	0.94%

Do analysts prefer CZNC or SONA?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Southern National Bancorp of Virginia	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Summary

Southern National Bancorp of Virginia beats Citizens & Northern on 9 of the 16 factors compared between the two stocks.