Citizens Financial Services (NASDAQ:CZFS – Get Free Report) and Red River Bancshares (NASDAQ:RRBI – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, profitability, dividends and analyst recommendations.
Insider & Institutional Ownership
22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 27.6% of Red River Bancshares shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by insiders. Comparatively, 16.4% of Red River Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a breakdown of recent ratings and price targets for Citizens Financial Services and Red River Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Citizens Financial Services | 0 | 0 | 1 | 0 | 3.00 |
| Red River Bancshares | 0 | 0 | 0 | 0 | 0.00 |
Valuation & Earnings
This table compares Citizens Financial Services and Red River Bancshares”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Citizens Financial Services | $138.72 million | 2.42 | $17.81 million | $5.79 | 12.16 |
| Red River Bancshares | $149.60 million | 2.72 | $34.88 million | $4.75 | 12.64 |
Red River Bancshares has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Red River Bancshares, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Citizens Financial Services and Red River Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Citizens Financial Services | 16.24% | 9.86% | 0.95% |
| Red River Bancshares | 21.42% | 10.76% | 1.08% |
Dividends
Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 2.8%. Red River Bancshares pays an annual dividend of $0.36 per share and has a dividend yield of 0.6%. Citizens Financial Services pays out 33.9% of its earnings in the form of a dividend. Red River Bancshares pays out 7.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Risk and Volatility
Citizens Financial Services has a beta of 0.53, meaning that its stock price is 47% less volatile than the S&P 500. Comparatively, Red River Bancshares has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500.
Summary
Red River Bancshares beats Citizens Financial Services on 11 of the 16 factors compared between the two stocks.
About Citizens Financial Services
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
About Red River Bancshares
Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company provides various deposit products, including checking, saving, money market accounts, and time deposits. It offers commercial real estate loans; one-to-four family mortgage loans and home equity lines of credit; construction and development loans; commercial and industrial loans; small business administration paycheck protection program loans; tax-exempt loans; consumer loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans; home mortgage loans; and lines of credit and standby letters of credit. In addition, the company provides treasury management, private banking, and brokerage; investment advisory, financial planning, and a suite of retirement plans; debit and credit cards, direct deposits, cashier's checks, and wire transfer services; online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and banking services in person, through ATMs, drive-through facilities, night deposits, telephone, mail, mobile banking, and remote deposits. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.
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