Citizens & Northern (CZNC) vs. RBB Bancorp (RBB) Financial Contrast

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

Insider & Institutional Ownership

29.3% of Citizens & Northern shares are held by institutional investors. Comparatively, 28.6% of RBB Bancorp shares are held by institutional investors. 4.2% of Citizens & Northern shares are held by company insiders. Comparatively, 27.4% of RBB Bancorp shares are held by company 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.


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

Net Margins Return on Equity Return on Assets
Citizens & Northern 22.62% 7.60% 1.14%
RBB Bancorp 31.83% 12.43% 1.88%

Analyst Recommendations

This is a breakdown of current recommendations for Citizens & Northern and RBB Bancorp, as reported by

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern 0 1 0 0 2.00
RBB Bancorp 0 0 3 0 3.00

Citizens & Northern currently has a consensus target price of $26.00, indicating a potential upside of 0.54%. RBB Bancorp has a consensus target price of $30.33, indicating a potential downside of 5.56%. Given Citizens & Northern’s higher possible upside, analysts plainly believe Citizens & Northern is more favorable than RBB Bancorp.

Earnings & Valuation

This table compares Citizens & Northern and RBB Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens & Northern $62.27 million 5.09 $13.43 million N/A N/A
RBB Bancorp $87.31 million 6.03 $25.52 million $1.82 17.65

RBB Bancorp has higher revenue and earnings than Citizens & Northern.


Citizens & Northern pays an annual dividend of $1.08 per share and has a dividend yield of 4.2%. RBB Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.1%. RBB Bancorp pays out 19.8% of its earnings in the form of a dividend.


RBB Bancorp beats Citizens & Northern on 9 of the 13 factors compared between the two stocks.

About Citizens & Northern

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York. The company offers deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits, as well as non-insured RepoSweep accounts. It also provides loans comprising mortgage loans, commercial loans, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. In addition, the company offers trust and financial management services consisting of administration of trusts and estates, retirement plans, and other employee benefit plans; investment management services; and a range of personal and commercial insurance products, as well as mutual funds, annuities, educational savings accounts, and other investment products through registered agents. It operates 26 banking offices in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan, and Tioga counties in Pennsylvania, as well as Steuben County in New York. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

About RBB Bancorp

RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American communities. Its deposit products include checking, savings, and money market accounts; and certificates of deposits. The company offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential construction, commercial construction, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and trust, remote deposit, e-banking, and mobile banking services, as well as operates a loan production office in California. The company primarily offers its products and services to individuals, small and middle-market businesses, municipalities, and other entities. As of March 1, 2018, it operated 10 branches in downtown Los Angeles, San Gabriel, Torrance, Rowland Heights, Monterey Park, Silver Lake, Arcadia, Cerritos, Diamond Bar, and West Los Angeles in Los Angeles County; 2 branches in Oxnard and Westlake Village, Ventura County; and a branch in Las Vegas, Nevada. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.

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