Sussex Bancorp (NASDAQ: SBBX) and Citizens & Northern (NASDAQ:CZNC) are both small-cap financials companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, valuation, earnings, institutional ownership, analyst recommendations, risk and dividends.
Sussex Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.9%. Citizens & Northern pays an annual dividend of $1.04 per share and has a dividend yield of 4.3%. Sussex Bancorp pays out 18.2% of its earnings in the form of a dividend. Citizens & Northern pays out 80.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
This table compares Sussex Bancorp and Citizens & Northern’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Sussex Bancorp||$36.99 million||4.26||$5.52 million||$1.32||19.77|
|Citizens & Northern||$60.77 million||4.84||$15.76 million||$1.29||18.70|
Citizens & Northern has higher revenue and earnings than Sussex Bancorp. Citizens & Northern is trading at a lower price-to-earnings ratio than Sussex Bancorp, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
54.0% of Sussex Bancorp shares are owned by institutional investors. Comparatively, 29.1% of Citizens & Northern shares are owned by institutional investors. 17.6% of Sussex Bancorp shares are owned by company insiders. Comparatively, 4.3% of Citizens & Northern shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
This table compares Sussex Bancorp and Citizens & Northern’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Citizens & Northern||25.58%||8.33%||1.26%|
Risk & Volatility
Sussex Bancorp has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.
This is a breakdown of current ratings and target prices for Sussex Bancorp and Citizens & Northern, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Citizens & Northern||0||0||0||0||N/A|
Sussex Bancorp currently has a consensus target price of $32.50, indicating a potential upside of 24.52%. Given Sussex Bancorp’s higher probable upside, equities research analysts plainly believe Sussex Bancorp is more favorable than Citizens & Northern.
Sussex Bancorp beats Citizens & Northern on 9 of the 15 factors compared between the two stocks.
About Sussex Bancorp
Sussex Bancorp is a bank holding company for Sussex Bank (the Bank). The Company’s primary business is the ownership and supervision of the Bank. The Company has two business segments: banking and financial services, and insurance services. The Company, through the Bank, conducts a traditional commercial banking business, and offer services, including personal and business checking accounts and time deposits, money market accounts and savings accounts. The Company, through the Bank’s subsidiary, Tri-State, operates a full service general insurance agency, offering both commercial and personal lines of insurance. The Company’s service area primarily consists of Sussex, Morris and Bergen Counties in New Jersey, and Orange and Queens Counties, New York. The Company’s loan portfolio includes commercial and industrial consumer loans, construction loans, commercial real estate loans, residential real estate loans, and consumer and other loans.
About Citizens & Northern
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.
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