First Northern Community Bancorp (NASDAQ:FNRN – Get Free Report) and Citizens Financial Services (NASDAQ:CZFS – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, dividends, risk, profitability and valuation.
Profitability
This table compares First Northern Community Bancorp and Citizens Financial Services’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First Northern Community Bancorp | 24.97% | 10.68% | 1.18% |
| Citizens Financial Services | 23.31% | 12.06% | 1.33% |
Analyst Ratings
This is a breakdown of recent ratings and recommmendations for First Northern Community Bancorp and Citizens Financial Services, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Northern Community Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Citizens Financial Services | 0 | 1 | 1 | 1 | 3.00 |
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Northern Community Bancorp | $88.40 million | 3.21 | $21.13 million | $1.35 | 12.81 |
| Citizens Financial Services | $118.11 million | 3.24 | $36.57 million | $8.55 | 9.29 |
Citizens Financial Services has higher revenue and earnings than First Northern Community Bancorp. Citizens Financial Services is trading at a lower price-to-earnings ratio than First Northern Community Bancorp, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
17.9% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 11.9% of First Northern Community Bancorp shares are held by insiders. Comparatively, 5.5% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Summary
Citizens Financial Services beats First Northern Community Bancorp on 8 of the 11 factors compared between the two stocks.
About First Northern Community Bancorp
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier’s checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
About Citizens Financial Services
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
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