OTCMKTS:CZBSCitizens Bancshares Co. (GA) Competitors & Alternatives

Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) and Bank of SC (NASDAQ:BKSC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, valuation and risk.

Volatility and Risk

Citizens Bancshares Co. (GA) has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500. Comparatively, Bank of SC has a beta of 0.54, indicating that its stock price is 46% less volatile than the S&P 500.

Profitability

This table compares Citizens Bancshares Co. (GA) and Bank of SC's net margins, return on equity and return on assets.

Dividends

Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%. Bank of SC pays an annual dividend of $0.64 per share and has a dividend yield of 4.0%. Bank of SC has increased its dividend for 8 consecutive years. Bank of SC is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider and Institutional Ownership

6.0% of Bank of SC shares are held by institutional investors. 10.2% of Citizens Bancshares Co. (GA) shares are held by company insiders. Comparatively, 29.1% of Bank of SC shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Citizens Bancshares Co. (GA) and Bank of SC's revenue, earnings per share and valuation.

Bank of SC has higher revenue and earnings than Citizens Bancshares Co. (GA).

Analyst Ratings

This is a summary of recent ratings and price targets for Citizens Bancshares Co. (GA) and Bank of SC, as provided by MarketBeat.

Summary

Bank of SC beats Citizens Bancshares Co. (GA) on 8 of the 9 factors compared between the two stocks.

Marlin Business Services (NASDAQ:MRLN) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, valuation, earnings, dividends, institutional ownership, risk and analyst recommendations.

Dividends

Marlin Business Services pays an annual dividend of $0.56 per share and has a dividend yield of 7.6%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Marlin Business Services and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Marlin Business Services currently has a consensus target price of $16.00, suggesting a potential upside of 118.28%. Given Marlin Business Services' higher possible upside, research analysts clearly believe Marlin Business Services is more favorable than Citizens Bancshares Co. (GA).

Profitability

This table compares Marlin Business Services and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Valuation & Earnings

This table compares Marlin Business Services and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share (EPS) and valuation.

Marlin Business Services has higher revenue and earnings than Citizens Bancshares Co. (GA).

Insider and Institutional Ownership

86.9% of Marlin Business Services shares are owned by institutional investors. 5.3% of Marlin Business Services shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

Marlin Business Services has a beta of 0.85, meaning that its share price is 15% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Summary

Marlin Business Services beats Citizens Bancshares Co. (GA) on 8 of the 9 factors compared between the two stocks.

Eagle Financial Services (OTCMKTS:EFSI) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, valuation, earnings, dividends, institutional ownership, risk and analyst recommendations.

Insider and Institutional Ownership

2.0% of Eagle Financial Services shares are owned by institutional investors. 22.3% of Eagle Financial Services shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Eagle Financial Services and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Volatility & Risk

Eagle Financial Services has a beta of 0.65, meaning that its share price is 35% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Valuation & Earnings

This table compares Eagle Financial Services and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share (EPS) and valuation.

Eagle Financial Services has higher revenue and earnings than Citizens Bancshares Co. (GA).

Profitability

This table compares Eagle Financial Services and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Dividends

Eagle Financial Services pays an annual dividend of $1.04 per share and has a dividend yield of 4.1%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%.

Summary

Eagle Financial Services beats Citizens Bancshares Co. (GA) on 8 of the 8 factors compared between the two stocks.

Dimeco (OTCMKTS:DIMC) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, earnings, valuation, profitability and institutional ownership.

Insider & Institutional Ownership

0.3% of Dimeco shares are owned by institutional investors. 19.0% of Dimeco shares are owned by company insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Risk and Volatility

Dimeco has a beta of 0.48, suggesting that its share price is 52% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.

Dividends

Dimeco pays an annual dividend of $1.32 per share and has a dividend yield of 3.8%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%.

Profitability

This table compares Dimeco and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Analyst Ratings

This is a breakdown of current ratings and price targets for Dimeco and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Valuation and Earnings

This table compares Dimeco and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share and valuation.

Dimeco has higher revenue and earnings than Citizens Bancshares Co. (GA).

Summary

Dimeco beats Citizens Bancshares Co. (GA) on 4 of the 5 factors compared between the two stocks.

Altapacific Bancor (OTCMKTS:ABNK) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Risk and Volatility

Altapacific Bancor has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500.

Profitability

This table compares Altapacific Bancor and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Earnings and Valuation

This table compares Altapacific Bancor and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share and valuation.

Altapacific Bancor has higher revenue and earnings than Citizens Bancshares Co. (GA).

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Altapacific Bancor and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Summary

Altapacific Bancor beats Citizens Bancshares Co. (GA) on 3 of the 3 factors compared between the two stocks.

Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) and Bay Banks of Virginia (OTCMKTS:BAYK) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, valuation, institutional ownership, earnings and dividends.

Volatility and Risk

Citizens Bancshares Co. (GA) has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500. Comparatively, Bay Banks of Virginia has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500.

Profitability

This table compares Citizens Bancshares Co. (GA) and Bay Banks of Virginia's net margins, return on equity and return on assets.

Earnings & Valuation

This table compares Citizens Bancshares Co. (GA) and Bay Banks of Virginia's top-line revenue, earnings per share (EPS) and valuation.

Bay Banks of Virginia has higher revenue and earnings than Citizens Bancshares Co. (GA).

Insider and Institutional Ownership

15.0% of Bay Banks of Virginia shares are held by institutional investors. 10.2% of Citizens Bancshares Co. (GA) shares are held by company insiders. Comparatively, 7.6% of Bay Banks of Virginia shares are held by company 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.

Analyst Ratings

This is a summary of recent ratings for Citizens Bancshares Co. (GA) and Bay Banks of Virginia, as provided by MarketBeat.com.

Summary

Bay Banks of Virginia beats Citizens Bancshares Co. (GA) on 6 of the 7 factors compared between the two stocks.