Head-To-Head Analysis: Citizens & Northern (NASDAQ:CZNC) and Grupo Supervielle (NYSE:SUPV)

Grupo Supervielle (NYSE:SUPV) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, valuation and dividends.

Valuation & Earnings

This table compares Grupo Supervielle and Citizens & Northern”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Grupo Supervielle	$1.65 billion	0.38	-$38.87 million	($0.63)	-11.30
Citizens & Northern	$170.03 million	2.63	$23.43 million	$1.48	16.85

Citizens & Northern has lower revenue, but higher earnings than Grupo Supervielle. Grupo Supervielle is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Grupo Supervielle and Citizens & Northern’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Grupo Supervielle	-3.60%	-2.67%	-0.35%
Citizens & Northern	13.28%	9.54%	1.04%

Institutional and Insider Ownership

30.8% of Citizens & Northern shares are held by institutional investors. 4.7% 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 is poised for long-term growth.

Risk and Volatility

Grupo Supervielle has a beta of 1.54, suggesting that its stock price is 54% more volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and recommmendations for Grupo Supervielle and Citizens & Northern, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Grupo Supervielle	1	4	2	0	2.14
Citizens & Northern	0	3	1	0	2.25

Grupo Supervielle presently has a consensus target price of $13.17, suggesting a potential upside of 84.87%. Citizens & Northern has a consensus target price of $23.50, suggesting a potential downside of 5.77%. Given Grupo Supervielle’s higher probable upside, research analysts plainly believe Grupo Supervielle is more favorable than Citizens & Northern.

Summary

Citizens & Northern beats Grupo Supervielle on 10 of the 14 factors compared between the two stocks.

About Grupo Supervielle

Grupo Supervielle S.A., a financial services holding company, provides various banking products and services in Argentina. The company operates through Personal & Business Banking, Corporate Banking, Bank Treasury, Consumer Finance, Insurance, and Asset Management and Other Services segments. It offers savings accounts, time and demand deposits, and checking accounts; various loan products, including personal, consumer, mortgage, unsecured, and car loans; overdrafts; loans with special facilities for project and working capital financing; and leasing, bank guarantees for tenants, salary advances, domestic and international factoring, international guarantees and letters of credit, payroll payment plans, credit and debit cards, and senior citizens benefit payment services, as well as financial services and investments, such as mutual funds and guarantees. The company also provides foreign trade and cash management; advisory services; treasury services; insurance products comprising life, home, personal accidents, technology, ATMs, protected bag, and protected content; and asset management and other services, as well as operates as a digital online broker. It operates through a network of bank branches, ATMs, and self-service terminals, as well as ATMs with biometric identification. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is based in Buenos Aires, Argentina.

About Citizens & Northern

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm’s lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.