Head to Head Comparison: Citizens Bancshares (OTCMKTS:CZBS) vs. Fifth District Bancorp (NASDAQ:FDSB)

Fifth District Bancorp (NASDAQ:FDSB) and Citizens Bancshares (OTCMKTS:CZBS) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, dividends, earnings, risk, valuation, institutional ownership and profitability.

Risk & Volatility

Fifth District Bancorp has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, Citizens Bancshares has a beta of 0.38, meaning that its share price is 62% less volatile than the S&P 500.

Profitability

This table compares Fifth District Bancorp and Citizens Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fifth District Bancorp	14.27%	2.88%	0.69%
Citizens Bancshares	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Fifth District Bancorp and Citizens Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fifth District Bancorp	1	0	0	0	1.00
Citizens Bancshares	0	0	0	0	0.00

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fifth District Bancorp	$19.29 million	4.30	-$1.08 million	$0.73	20.56
Citizens Bancshares	$44.68 million	1.73	$12.88 million	N/A	N/A

Citizens Bancshares has higher revenue and earnings than Fifth District Bancorp.

Summary

Fifth District Bancorp beats Citizens Bancshares on 6 of the 8 factors compared between the two stocks.

About Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.

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.