Fvcbankcorp (NASDAQ:FVCB) versus Citizens Bancshares (OTCMKTS:CZBS) Head to Head Analysis

Fvcbankcorp (NASDAQ:FVCB) and Citizens Bancshares (OTCMKTS:CZBS) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, risk, institutional ownership, profitability and dividends.

Earnings and Valuation

This table compares Fvcbankcorp and Citizens Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fvcbankcorp	$122.03 million	2.33	$22.06 million	$1.28	12.33
Citizens Bancshares	$44.60 million	2.04	$10.59 million	N/A	N/A

Fvcbankcorp has higher revenue and earnings than Citizens Bancshares.

Analyst Ratings

This is a breakdown of recent ratings and price targets for Fvcbankcorp and Citizens Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fvcbankcorp	0	1	2	0	2.67
Citizens Bancshares	0	0	0	0	0.00

Fvcbankcorp currently has a consensus price target of $19.00, suggesting a potential upside of 20.41%. Given Fvcbankcorp’s stronger consensus rating and higher possible upside, analysts plainly believe Fvcbankcorp is more favorable than Citizens Bancshares.

Dividends

Fvcbankcorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.8%. Citizens Bancshares pays an annual dividend of $1.20 per share and has a dividend yield of 2.3%. Fvcbankcorp pays out 21.9% of its earnings in the form of a dividend.

Profitability

This table compares Fvcbankcorp and Citizens Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fvcbankcorp	18.85%	9.33%	1.02%
Citizens Bancshares	N/A	N/A	N/A

Risk & Volatility

Fvcbankcorp has a beta of 0.36, indicating that its share price is 64% less volatile than the S&P 500. Comparatively, Citizens Bancshares has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500.

Insider & Institutional Ownership

43.6% of Fvcbankcorp shares are owned by institutional investors. 11.2% of Fvcbankcorp shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Fvcbankcorp beats Citizens Bancshares on 12 of the 14 factors compared between the two stocks.

About Fvcbankcorp

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

About Citizens Bancshares

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single-family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, which include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, as well as check reorder services. Citizens Bancshares Corporation was founded in 1921 and is headquartered in Atlanta, Georgia.