Citizens Financial (CIWV) Competitors

Citizens Financial (OTCMKTS:CIWV) and Bank First National (OTCMKTS:BFNC) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their community ranking, earnings, analyst recommendations, institutional ownership, profitability, valuation, media sentiment, dividends and risk.

Is CIWV or BFNC a better dividend stock?

Citizens Financial pays an annual dividend of $0.28 per share and has a dividend yield of 1.3%. Bank First National pays an annual dividend of $0.42 per share and has a dividend yield of 0.5%. Citizens Financial pays out 47.8% of its earnings in the form of a dividend. Bank First National pays out 32.3% 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.

Do institutionals and insiders hold more shares of CIWV or BFNC?

5.6% of Citizens Financial shares are owned by institutional investors. Comparatively, 10.8% of Bank First National shares are owned by institutional investors. 14.4% of Bank First National shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Which has better valuation and earnings, CIWV or BFNC?

Citizens Financial is trading at a lower price-to-earnings ratio than Bank First National, 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 Financial	N/A	N/A	N/A	$0.59	37.48
Bank First National	N/A	N/A	N/A	$1.30	63.07

Does the media favor CIWV or BFNC?

In the previous week, Bank First National had 26 more articles in the media than Citizens Financial. MarketBeat recorded 27 mentions for Bank First National and 1 mentions for Citizens Financial. Bank First National's average media sentiment score of 0.18 beat Citizens Financial's score of 0.00 indicating that Bank First National is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens Financial	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Bank First National	2 Very Positive mention(s)	6 Positive mention(s)	14 Neutral mention(s)	3 Negative mention(s)	2 Very Negative mention(s)	Neutral

Do analysts rate CIWV or BFNC?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Bank First National	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Does the MarketBeat Community favor CIWV or BFNC?

Bank First National received 15 more outperform votes than Citizens Financial when rated by MarketBeat users. Likewise, 66.27% of users gave Bank First National an outperform vote while only 65.57% of users gave Citizens Financial an outperform vote.

Company	Underperform	Outperform
Citizens Financial	Outperform Votes 40 65.57%	Underperform Votes 21 34.43%
Bank First National	Outperform Votes 55 66.27%	Underperform Votes 28 33.73%

Is CIWV or BFNC more profitable?

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial	N/A	N/A	N/A
Bank First National	N/A	N/A	N/A

Summary

Bank First National beats Citizens Financial on 9 of the 10 factors compared between the two stocks.