Analyzing Citizens (NASDAQ:CIZN) & Seacoast Banking Co. of Florida (NASDAQ:SBCF)

Seacoast Banking Co. of Florida (NASDAQ:SBCF) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, risk, dividends, valuation and profitability.

Risk and Volatility

Seacoast Banking Co. of Florida has a beta of 1.3, meaning that its share price is 30% more volatile than the S&P 500. Comparatively, Citizens has a beta of 0.08, meaning that its share price is 92% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and target prices for Seacoast Banking Co. of Florida and Citizens, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Seacoast Banking Co. of Florida 0 0 2 0 3.00
Citizens 0 0 0 0 N/A

Seacoast Banking Co. of Florida presently has a consensus price target of $26.00, indicating a potential upside of 37.71%. Given Seacoast Banking Co. of Florida’s higher probable upside, analysts clearly believe Seacoast Banking Co. of Florida is more favorable than Citizens.

Institutional & Insider Ownership

83.3% of Seacoast Banking Co. of Florida shares are owned by institutional investors. Comparatively, 10.9% of Citizens shares are owned by institutional investors. 3.0% of Seacoast Banking Co. of Florida shares are owned by insiders. Comparatively, 9.9% of Citizens shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Seacoast Banking Co. of Florida and Citizens’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Seacoast Banking Co. of Florida 22.36% 8.61% 1.16%
Citizens 12.18% 5.38% 0.51%

Earnings & Valuation

This table compares Seacoast Banking Co. of Florida and Citizens’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Seacoast Banking Co. of Florida $346.55 million 2.87 $98.74 million $2.01 9.39
Citizens $45.11 million 2.67 $5.90 million N/A N/A

Seacoast Banking Co. of Florida has higher revenue and earnings than Citizens.

Summary

Seacoast Banking Co. of Florida beats Citizens on 10 of the 12 factors compared between the two stocks.

About Seacoast Banking Co. of Florida

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. The company offers commercial and retail banking, wealth management, and treasury management services, as well as home mortgage products; and brokerage and annuity services. It operates through 51 traditional branches and 7 commercial banking centers. The company was founded in 1926 and is headquartered in Stuart, Florida.

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. The company offers demand deposits, as well as savings and time deposit accounts. It also provides secured and unsecured loans; mortgage loans; installment loans; credit card 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, the company offers personal and corporate trust services; credit life and title insurance; and online banking services. It operates 23 branches in Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Oktibbeha, Rankin, Harrison, Jackson, Winston, and Kemper counties, Mississippi; and a loan production office in north Mississippi. Citizens Holding Company was founded in 1908 and is headquartered in Philadelphia, Mississippi.

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