Citizens & Northern Corp (NASDAQ: CZNC) and First Financial Northwest (NASDAQ:FFNW) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, institutional ownership, valuation, profitability, risk, analyst recommendations and dividends.
Valuation and Earnings
This table compares Citizens & Northern Corp and First Financial Northwest’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|Citizens & Northern Corp||$60.77 million||4.94||$15.76 million||N/A||N/A|
|First Financial Northwest||$44.36 million||4.07||$8.89 million||$0.87||19.28|
Citizens & Northern Corp has higher revenue and earnings than First Financial Northwest.
This table compares Citizens & Northern Corp and First Financial Northwest’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Citizens & Northern Corp||25.58%||8.33%||1.26%|
|First Financial Northwest||18.74%||6.44%||0.86%|
This is a breakdown of recent recommendations for Citizens & Northern Corp and First Financial Northwest, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Citizens & Northern Corp||0||0||0||0||N/A|
|First Financial Northwest||0||0||0||0||N/A|
Volatility and Risk
Citizens & Northern Corp has a beta of 0.45, suggesting that its share price is 55% less volatile than the S&P 500. Comparatively, First Financial Northwest has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500.
Insider & Institutional Ownership
28.6% of Citizens & Northern Corp shares are held by institutional investors. Comparatively, 44.8% of First Financial Northwest shares are held by institutional investors. 4.3% of Citizens & Northern Corp shares are held by company insiders. Comparatively, 7.3% of First Financial Northwest shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Citizens & Northern Corp pays an annual dividend of $1.04 per share and has a dividend yield of 4.2%. First Financial Northwest pays an annual dividend of $0.28 per share and has a dividend yield of 1.7%. First Financial Northwest pays out 32.2% of its earnings in the form of a dividend.
Citizens & Northern Corp beats First Financial Northwest on 9 of the 11 factors compared between the two stocks.
Citizens & Northern Corp Company Profile
Citizens & Northern Corporation is a holding company. The Company’s principal activity is community banking. The Company, through its subsidiaries, is engaged in providing a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. It offers lending products, which include mortgage loans, commercial loans and consumer loans, as well as specialized instruments. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts (IRAs) and certificates of deposit. It provides trust and financial management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. Its subsidiaries include Citizens & Northern Bank (C&N Bank or the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company.
First Financial Northwest Company Profile
First Financial Northwest, Inc. (First Financial Northwest) is a holding company for First Financial Northwest Bank (the Bank). The Bank primarily serves the greater Puget Sound region of King and to a lesser extent, Pierce, Snohomish and Kitsap Counties, Washington through its full-service banking office located in Renton, Washington and branch office in Mill Creek, Washington. The Bank’s business consists of attracting deposits from the public and utilizing these funds to originate one- to four-family residential, multifamily, commercial real estate, construction/land development, business and consumer loans. It focuses on its lending activities primarily on loans secured by commercial real estate, construction/land development, first mortgages on one- to four-family residences, multifamily and business lending. Its investment portfolio consisted principally of mortgage-backed securities, municipal bonds, the United States Government Agency obligations and corporate bonds.
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