First Northwest Bancorp (FNWB) Competitors

First Northwest Bancorp (NASDAQ:FNWB) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, profitability, risk, dividends, earnings, media sentiment and valuation.

Do analysts rate FNWB or CZFS?

First Northwest Bancorp presently has a consensus target price of $12.75, suggesting a potential upside of 59.38%. Given First Northwest Bancorp's stronger consensus rating and higher probable upside, equities research analysts plainly believe First Northwest Bancorp is more favorable than Citizens Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Northwest Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Citizens Financial Services	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more volatility and risk, FNWB or CZFS?

First Northwest Bancorp has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.

Does the media refer more to FNWB or CZFS?

In the previous week, First Northwest Bancorp had 7 more articles in the media than Citizens Financial Services. MarketBeat recorded 8 mentions for First Northwest Bancorp and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 0.62 beat First Northwest Bancorp's score of 0.22 indicating that Citizens Financial Services is being referred to more favorably in the news media.

Company	Overall Sentiment
First Northwest Bancorp	Neutral
Citizens Financial Services	Positive

Is FNWB or CZFS a better dividend stock?

First Northwest Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 3.5%. Citizens Financial Services pays an annual dividend of $1.98 per share and has a dividend yield of 3.3%. First Northwest Bancorp pays out -127.3% of its earnings in the form of a dividend. Citizens Financial Services pays out 33.1% 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 Northwest Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has stronger earnings & valuation, FNWB or CZFS?

Citizens Financial Services has higher revenue and earnings than First Northwest Bancorp. First Northwest Bancorp is trading at a lower price-to-earnings ratio than Citizens Financial Services, 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 Northwest Bancorp	$62.52M	1.21	-$6.61M	-$0.22	-36.36
Citizens Financial Services	$169.72M	1.67	$27.82M	$5.98	9.94

Do institutionals and insiders believe in FNWB or CZFS?

66.1% of First Northwest Bancorp shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 5.5% of First Northwest Bancorp shares are owned by insiders. Comparatively, 6.1% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Is FNWB or CZFS more profitable?

Citizens Financial Services has a net margin of 16.79% compared to First Northwest Bancorp's net margin of -1.47%. Citizens Financial Services' return on equity of 9.83% beat First Northwest Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Northwest Bancorp	-1.47%	-1.20%	-0.08%
Citizens Financial Services	16.79%	9.83%	0.98%

Summary

Citizens Financial Services beats First Northwest Bancorp on 10 of the 18 factors compared between the two stocks.