Your Community Bankshares (NASDAQ: YCB) and Citigroup (NYSE:C) are both financials companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, dividends, profitability, institutional ownership, risk and analyst recommendations.

Dividends

Your Community Bankshares pays an annual dividend of $0.48 per share and has a dividend yield of 1.2%. Citigroup pays an annual dividend of $1.28 per share and has a dividend yield of 1.7%. Your Community Bankshares pays out 17.7% of its earnings in the form of a dividend. Citigroup pays out 24.7% 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. Your Community Bankshares has raised its dividend for 3 consecutive years.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Your Community Bankshares and Citigroup, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Your Community Bankshares 0 0 0 0 N/A
Citigroup 1 6 13 0 2.60

Citigroup has a consensus price target of $78.86, indicating a potential upside of 4.24%. Given Citigroup’s higher probable upside, analysts clearly believe Citigroup is more favorable than Your Community Bankshares.

Profitability

This table compares Your Community Bankshares and Citigroup’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Your Community Bankshares 22.71% 11.13% 0.98%
Citigroup 18.11% 7.48% 0.85%

Valuation & Earnings

This table compares Your Community Bankshares and Citigroup’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Your Community Bankshares N/A N/A N/A $2.71 14.53
Citigroup $82.39 billion 2.43 $14.91 billion $5.19 14.58

Citigroup has higher revenue and earnings than Your Community Bankshares. Your Community Bankshares is trading at a lower price-to-earnings ratio than Citigroup, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

34.7% of Your Community Bankshares shares are owned by institutional investors. Comparatively, 78.5% of Citigroup shares are owned by institutional investors. 11.5% of Your Community Bankshares shares are owned by company insiders. Comparatively, 0.1% of Citigroup shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Citigroup beats Your Community Bankshares on 7 of the 13 factors compared between the two stocks.

Your Community Bankshares Company Profile

Your Community Bankshares, Inc., formerly Community Bank Shares of Indiana, Inc., is a bank holding company. The Company operates through its banking subsidiary, Your Community Bank (the Bank). The Bank is a state-chartered commercial bank. The Bank has approximately three subsidiaries to manage its investment portfolio, including CBSI Holdings, Inc. and CBSI Investments, Inc., which together owns CBSI Investment Portfolio Management, LLC, which holds and manages investment securities owned by the Bank. In addition, the Company owns a captive insurance company, CBIN Insurance, Inc., which issues policies to its banking subsidiaries. The Company offers business and personal banking services through a range of deposit products and services that include non-interest and interest-bearing checking accounts, mobile banking, debit cards, savings accounts, money market accounts, certificates of deposit and individual retirement accounts.

Citigroup Company Profile

Citigroup Inc. (Citi) is a financial services holding company. The Company’s whose businesses provide consumers, corporations, governments and institutions with a range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, trade and securities services and wealth management. The Company operates through two segments: Citicorp and Citi Holdings. Citicorp is the Company’s global bank for consumers and businesses and represents its core franchises. Citicorp is focused on providing products and services to customers and leveraging the Company’s global network, including various economies. As of December 31, 2016, Citicorp was present in 97 countries and jurisdictions, and offered services in over 160 countries and jurisdictions. Global Consumer Banking (GCB) provides traditional banking services to retail customers through retail banking, including Citi-branded cards and Citi retail services.

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