Reviewing Citizens & Northern Corporation (CZNC)’s and Seacoast Banking Corporation of Florida (NASDAQ:SBCF)’s results.

Citizens & Northern Corporation (NASDAQ:CZNC) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF), both competing one another are Regional – Mid-Atlantic Banks companies. We will compare their dividends, institutional ownership, analyst recommendations, profitability, risk, earnings and valuation.

Valuation and Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens & Northern Corporation 65.75M 4.61 21.90M 1.66 15.15
Seacoast Banking Corporation of Florida 252.66M 5.38 64.36M 1.54 17.30

We can see in table 1 the earnings per share (EPS), top-line revenue and valuation of Citizens & Northern Corporation and Seacoast Banking Corporation of Florida. Seacoast Banking Corporation of Florida has lower earnings, but higher revenue than Citizens & Northern Corporation. Currently more affordable of the two stocks is the business with a lower price-to-earnings ratio. Citizens & Northern Corporation is currently more affordable than Seacoast Banking Corporation of Florida, because it’s trading at a lower price-to-earnings ratio.

Profitability

Table 2 provides us the net margins, return on equity and return on assets of both companies.

Net Margins Return on Equity Return on Assets
Citizens & Northern Corporation 33.31% 9.6% 1.4%
Seacoast Banking Corporation of Florida 25.47% 9.1% 1.1%

Volatility and Risk

A beta of 0.49 shows that Citizens & Northern Corporation is 51.00% less volatile than Standard & Poor’s 500. In other hand, Seacoast Banking Corporation of Florida has beta of 0.68 which is 32.00% less volatile than the Standard & Poor’s 500.

Dividends

$1.08 per share with a dividend yield of 4.42% is the annual dividend that Citizens & Northern Corporation pay. Seacoast Banking Corporation of Florida does not pay a dividend.

Analyst Recommendations

In next table is pshown Citizens & Northern Corporation and Seacoast Banking Corporation of Florida’s ratings and recommmendations.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Citizens & Northern Corporation 0 0 0 0.00
Seacoast Banking Corporation of Florida 0 0 2 3.00

Competitively Seacoast Banking Corporation of Florida has a consensus price target of $35, with potential upside of 21.74%.

Institutional and Insider Ownership

Citizens & Northern Corporation and Seacoast Banking Corporation of Florida has shares owned by institutional investors as follows: 29.4% and 93%. Citizens & Northern Corporation’s share owned by insiders are 2%. Comparatively, Seacoast Banking Corporation of Florida has 2.5% of it’s share owned by insiders.

Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides community banking services to the commercial, small business, and retail customers in Florida. It offers various transaction and savings deposit products; secured and unsecured loan products, including revolving credit facilities, letters of credit and related financial guarantees, and asset based financing; and securities and annuity products. The company also provides trust and asset management services to retirement plans, corporations, and individuals; treasury management services; brokerage services; and Internet and mobile banking services. As of December 31, 2016, it had 46 branch offices, 5 commercial lending offices, and its main office in Florida. Seacoast Banking Corporation of Florida was founded in 1926 and is based in Stuart, Florida.

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