CZNC Quote, Financials, Valuation and Earnings

First Community Bankshares has a net margin of 23.66% compared to Citizens & Northern's net margin of 31.07%. Citizens & Northern's return on equity of 9.91% beat First Community Bankshares's return on equity of 9.88%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 12.51%. On the other hand First Community Bankshares has an analysts' consensus of $41.00 which suggests that it could grow by 7.56%. Given that Citizens & Northern has higher upside potential than First Community Bankshares, analysts believe Citizens & Northern is more attractive than First Community Bankshares.

Citizens & Northern has a beta of 0.531, which suggesting that the stock is 46.907% less volatile than S&P 500. In comparison First Community Bankshares has a beta of 0.581, suggesting its less volatile than the S&P 500 by 41.922%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.86%. First Community Bankshares offers a yield of 3.25% to investors and pays a quarterly dividend of $0.31 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. First Community Bankshares pays out 42.67% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $26.6M, which are smaller than First Community Bankshares quarterly revenues of $38M. Citizens & Northern's net income of $6.3M is lower than First Community Bankshares's net income of $11.8M. Notably, Citizens & Northern's price-to-earnings ratio is 10.92x while First Community Bankshares's PE ratio is 13.86x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.71x versus 4.50x for First Community Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

First Bank has a net margin of 23.66% compared to Citizens & Northern's net margin of 27.54%. Citizens & Northern's return on equity of 9.91% beat First Bank's return on equity of 9.77%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 12.51%. On the other hand First Bank has an analysts' consensus of $17.33 which suggests that it could grow by 18.64%. Given that First Bank has higher upside potential than Citizens & Northern, analysts believe First Bank is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.531, which suggesting that the stock is 46.907% less volatile than S&P 500. In comparison First Bank has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.572%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.86%. First Bank offers a yield of 1.64% to investors and pays a quarterly dividend of $0.06 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. First Bank pays out 14.27% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $26.6M, which are smaller than First Bank quarterly revenues of $34.1M. Citizens & Northern's net income of $6.3M is lower than First Bank's net income of $9.4M. Notably, Citizens & Northern's price-to-earnings ratio is 10.92x while First Bank's PE ratio is 9.49x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.71x versus 2.81x for First Bank. Usually stocks with elevated PS ratios are considered overvalued.

Shore Bancshares has a net margin of 23.66% compared to Citizens & Northern's net margin of 25.95%. Citizens & Northern's return on equity of 9.91% beat Shore Bancshares's return on equity of 9.28%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 12.51%. On the other hand Shore Bancshares has an analysts' consensus of $17.00 which suggests that it could grow by 15.49%. Given that Shore Bancshares has higher upside potential than Citizens & Northern, analysts believe Shore Bancshares is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.531, which suggesting that the stock is 46.907% less volatile than S&P 500. In comparison Shore Bancshares has a beta of 0.930, suggesting its less volatile than the S&P 500 by 7.034%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.86%. Shore Bancshares offers a yield of 3.26% to investors and pays a quarterly dividend of $0.12 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. Shore Bancshares pays out 36.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $26.6M, which are smaller than Shore Bancshares quarterly revenues of $53M. Citizens & Northern's net income of $6.3M is lower than Shore Bancshares's net income of $13.8M. Notably, Citizens & Northern's price-to-earnings ratio is 10.92x while Shore Bancshares's PE ratio is 9.88x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.71x versus 2.37x for Shore Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

The Bancorp has a net margin of 23.66% compared to Citizens & Northern's net margin of 32.6%. Citizens & Northern's return on equity of 9.91% beat The Bancorp's return on equity of 27.09%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 12.51%. On the other hand The Bancorp has an analysts' consensus of $64.50 which suggests that it could grow by 23.3%. Given that The Bancorp has higher upside potential than Citizens & Northern, analysts believe The Bancorp is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.531, which suggesting that the stock is 46.907% less volatile than S&P 500. In comparison The Bancorp has a beta of 1.309, suggesting its more volatile than the S&P 500 by 30.902%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.86%. The Bancorp offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. The Bancorp pays out -- of its earnings as a dividend. Citizens & Northern's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $26.6M, which are smaller than The Bancorp quarterly revenues of $175.4M. Citizens & Northern's net income of $6.3M is lower than The Bancorp's net income of $57.2M. Notably, Citizens & Northern's price-to-earnings ratio is 10.92x while The Bancorp's PE ratio is 11.81x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.71x versus 4.41x for The Bancorp. Usually stocks with elevated PS ratios are considered overvalued.