Sussex Bancorp (NASDAQ: SBBX) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, dividends, earnings, institutional ownership and profitability.

Analyst Ratings

This is a breakdown of recent recommendations for Sussex Bancorp and Citizens & Northern, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sussex Bancorp 0 0 1 0 3.00
Citizens & Northern 0 0 0 0 N/A

Sussex Bancorp presently has a consensus target price of $32.50, indicating a potential upside of 21.04%. Given Sussex Bancorp’s higher possible upside, equities analysts plainly believe Sussex Bancorp is more favorable than Citizens & Northern.

Profitability

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
Sussex Bancorp 15.97% 9.19% 0.79%
Citizens & Northern 25.58% 8.33% 1.26%

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 18.0% of its earnings in the form of a dividend.

Risk & Volatility

Sussex Bancorp has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.46, suggesting that its share price is 54% less volatile than the S&P 500.

Valuation & Earnings

This table compares Sussex Bancorp and Citizens & Northern’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Sussex Bancorp $36.99 million 4.38 $5.52 million $1.33 20.19
Citizens & Northern $60.77 million 4.82 $15.76 million N/A N/A

Citizens & Northern has higher revenue and earnings than Sussex Bancorp.

Institutional & Insider Ownership

54.0% of Sussex Bancorp shares are held by institutional investors. Comparatively, 29.1% of Citizens & Northern shares are held by institutional investors. 17.6% of Sussex Bancorp shares are held by insiders. Comparatively, 4.3% of Citizens & Northern shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Citizens & Northern beats Sussex Bancorp on 7 of the 13 factors compared between the two stocks.

Sussex Bancorp Company Profile

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.

Citizens & Northern 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.

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