Head-To-Head Analysis: Albina Community Bancorp (OTCMKTS:ACBCQ) and Citizens (NASDAQ:CIZN)

Albina Community Bancorp (OTCMKTS:ACBCQ) and Citizens (NASDAQ:CIZN) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, risk and dividends.

Insider & Institutional Ownership

9.7% of Citizens shares are held by institutional investors. 8.9% of Citizens shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Albina Community Bancorp and Citizens, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Albina Community Bancorp	0	0	0	0	0.00
Citizens	0	0	1	0	3.00

Citizens has a consensus price target of $26.00, indicating a potential upside of 256.16%. Given Citizens’ stronger consensus rating and higher probable upside, analysts clearly believe Citizens is more favorable than Albina Community Bancorp.

Profitability

This table compares Albina Community Bancorp and Citizens’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Albina Community Bancorp	N/A	N/A	N/A
Citizens	7.00%	11.28%	0.37%

Earnings and Valuation

This table compares Albina Community Bancorp and Citizens”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A
Citizens	$40.95 million	1.01	$5.49 million	$0.95	7.68

Citizens has higher revenue and earnings than Albina Community Bancorp.

Summary

Citizens beats Albina Community Bancorp on 9 of the 9 factors compared between the two stocks.

About Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.

About Citizens

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.