Contrasting Citizens & Northern (NASDAQ:CZNC) and Glen Burnie Bancorp (NASDAQ:GLBZ)

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

Volatility & Risk

Citizens & Northern has a beta of 0.42, meaning that its share price is 58% less volatile than the S&P 500. Comparatively, Glen Burnie Bancorp has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500.

Valuation and Earnings

This table compares Citizens & Northern and Glen Burnie Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$170.03 million	2.29	$23.43 million	$1.09	19.94
Glen Burnie Bancorp	$11.83 million	1.12	-$110,000.00	($0.03)	-150.67

Citizens & Northern has higher revenue and earnings than Glen Burnie Bancorp. Glen Burnie Bancorp 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 Citizens & Northern and Glen Burnie Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	9.67%	7.47%	0.81%
Glen Burnie Bancorp	0.16%	0.14%	0.01%

Insider and Institutional Ownership

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 9.8% of Glen Burnie Bancorp shares are held by institutional investors. 4.7% of Citizens & Northern shares are held by company insiders. Comparatively, 14.6% of Glen Burnie Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Dividends

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.2%. Glen Burnie Bancorp pays an annual dividend of $0.10 per share and has a dividend yield of 2.2%. Citizens & Northern pays out 102.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Glen Burnie Bancorp pays out -333.3% of its earnings in the form of a dividend.

Analyst Ratings

This is a summary of current ratings and target prices for Citizens & Northern and Glen Burnie Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	1	3	0	0	1.75
Glen Burnie Bancorp	1	0	0	0	1.00

Citizens & Northern presently has a consensus price target of $23.50, indicating a potential upside of 8.15%. Given Citizens & Northern’s stronger consensus rating and higher probable upside, equities analysts clearly believe Citizens & Northern is more favorable than Glen Burnie Bancorp.

Summary

Citizens & Northern beats Glen Burnie Bancorp on 12 of the 15 factors compared between the two stocks.

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.

About Glen Burnie Bancorp

Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie that provides commercial and retail banking services to individuals, associations, partnerships, and corporations. The company offers savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, IRA and SEP accounts, and certificates of deposit. It also provides residential and commercial real estate, construction, land acquisition and development, and secured and unsecured commercial loans, as well as consumer instalment lending, such as indirect automobile lending services; and residential first and second mortgage loans, home equity lines of credit, and commercial mortgage loans. In addition, the company offers safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, wire transfers, and automated teller machine (ATM) services, as well as electronic banking services, such as telephone and online banking, bill pay, card management and control, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Further, it provides treasury services, including wire transfer and ACH services, and debit cards. Additionally, the company engages in the acquisition and disposition of other real estate properties. It serves customers in northern Anne Arundel county and surrounding areas from its main office and branch in Glen Burnie, Maryland; and branch offices in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland. The company also operates a remote ATM located in Pasadena, Maryland. The company was founded in 1949 and is based in Glen Burnie, Maryland.