Town and Country Financial (OTCMKTS:TWCF) versus Citizens & Northern (NASDAQ:CZNC) Head-To-Head Survey

Citizens & Northern (NASDAQ:CZNC) and Town and Country Financial (OTCMKTS:TWCF) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, profitability, risk, dividends, earnings and analyst recommendations.

Institutional & Insider Ownership

30.8% of Citizens & Northern shares are held by institutional investors. 4.5% of Citizens & Northern shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Citizens & Northern and Town and Country Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$170.03 million	2.46	$25.96 million	$1.48	15.87
Town and Country Financial	N/A	N/A	N/A	N/A	N/A

Citizens & Northern has higher revenue and earnings than Town and Country Financial.

Analyst Ratings

This is a summary of current ratings and price targets for Citizens & Northern and Town and Country Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	0	2	1	1	2.75
Town and Country Financial	0	0	0	0	0.00

Citizens & Northern presently has a consensus target price of $23.50, suggesting a potential upside of 0.04%. Given Citizens & Northern’s stronger consensus rating and higher possible upside, equities analysts plainly believe Citizens & Northern is more favorable than Town and Country Financial.

Profitability

This table compares Citizens & Northern and Town and Country Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	13.75%	10.25%	1.12%
Town and Country Financial	N/A	N/A	N/A

Summary

Citizens & Northern beats Town and Country Financial on 10 of the 10 factors compared between the two stocks.

About Citizens & Northern

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm’s lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

About Town and Country Financial

Town & Country Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. It offers loans, investments, deposits, and cash management operations. Its has offices in Buffalo, Decatur, Edwardsville, Fairview Heights, Jacksonville, Lincoln, Mt. Zion, Springfield, and Quincy. The company was founded in 1983 and is headquartered in Springfield, IL.