Citizens (NASDAQ:CIZN – Get Free Report) and Bogota Financial (NASDAQ:BSBK – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, profitability, institutional ownership, dividends, earnings and analyst recommendations.
Earnings and Valuation
This table compares Citizens and Bogota Financial”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Citizens | $40.95 million | 1.27 | $5.49 million | $1.68 | 5.45 |
| Bogota Financial | $44.78 million | 2.58 | $2.09 million | $0.21 | 43.17 |
Insider and Institutional Ownership
9.7% of Citizens shares are held by institutional investors. Comparatively, 11.6% of Bogota Financial shares are held by institutional investors. 8.9% of Citizens shares are held by insiders. Comparatively, 3.7% of Bogota Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Risk and Volatility
Citizens has a beta of 0.04, meaning that its share price is 96% less volatile than the S&P 500. Comparatively, Bogota Financial has a beta of 0.14, meaning that its share price is 86% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current ratings for Citizens and Bogota Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Citizens | 0 | 0 | 4 | 0 | 3.00 |
| Bogota Financial | 0 | 1 | 0 | 0 | 2.00 |
Citizens currently has a consensus target price of $14.17, indicating a potential upside of 54.83%. Given Citizens’ stronger consensus rating and higher probable upside, equities research analysts clearly believe Citizens is more favorable than Bogota Financial.
Profitability
This table compares Citizens and Bogota Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Citizens | 7.00% | 11.28% | 0.37% |
| Bogota Financial | 6.00% | 1.83% | 0.29% |
Summary
Citizens beats Bogota Financial on 9 of the 14 factors compared between the two stocks.
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.
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.
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