Bogota Financial (NASDAQ:BSBK – Get Free Report) and Citizens (NASDAQ:CIZN – Get Free Report) are both small-cap finance 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.
Analyst Recommendations
This is a breakdown of current ratings and target prices for Bogota Financial and Citizens, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bogota Financial | 0 | 1 | 0 | 0 | 2.00 |
| Citizens | 0 | 0 | 4 | 0 | 3.00 |
Citizens has a consensus target price of $14.17, indicating a potential upside of 54.83%. Given Citizens’ stronger consensus rating and higher probable upside, analysts plainly believe Citizens is more favorable than Bogota Financial.
Volatility and Risk
Valuation and Earnings
This table compares Bogota Financial and Citizens”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bogota Financial | $44.78 million | 2.58 | $2.09 million | $0.21 | 43.17 |
| Citizens | $40.95 million | 1.27 | $5.49 million | $1.68 | 5.45 |
Citizens has lower revenue, but higher earnings than Bogota Financial. Citizens is trading at a lower price-to-earnings ratio than Bogota Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Bogota Financial and Citizens’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bogota Financial | 6.00% | 1.83% | 0.29% |
| Citizens | 7.00% | 11.28% | 0.37% |
Insider & Institutional Ownership
11.6% of Bogota Financial shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 3.7% of Bogota Financial shares are held by company insiders. Comparatively, 8.9% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Summary
Citizens beats Bogota Financial on 9 of the 14 factors compared between the two stocks.
About Bogota Financial
Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States. It offers deposit accounts, including demand accounts, savings accounts, money market accounts, and certificate of deposit accounts. The company also provides one-to four-family residential real estate loans, and commercial real estate and multi-family loans; consumer loans, such as home equity loans and lines of credit; commercial and industrial loans; and construction loans; and buys, sells, and holds investment securities. It operates through various offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as through a loan production office in Spring Lake, New Jersey. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.
About Citizens
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
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