Citizens (NASDAQ:CIZN) and Sberbank of Russia (OTCMKTS:SBRCY) Financial Contrast

Citizens (NASDAQ:CIZN) and Sberbank of Russia (OTCMKTS:SBRCY) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, institutional ownership, analyst recommendations, dividends, risk, earnings and valuation.

Insider and Institutional Ownership

9.7% of Citizens shares are held by institutional investors. Comparatively, 0.1% of Sberbank of Russia shares are held by institutional investors. 8.9% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Citizens and Sberbank of Russia”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens	$40.95 million	1.31	$5.49 million	$1.45	6.53
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A

Sberbank of Russia has higher revenue and earnings than Citizens.

Profitability

This table compares Citizens and Sberbank of Russia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens	7.00%	11.28%	0.37%
Sberbank of Russia	40.80%	21.45%	2.97%

Dividends

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. Citizens pays out 5.5% of its earnings in the form of a dividend. Citizens has raised its dividend for 1 consecutive years.

Analyst Ratings

This is a summary of recent recommendations and price targets for Citizens and Sberbank of Russia, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens	0	0	2	0	3.00
Sberbank of Russia	0	0	0	0	0.00

Citizens presently has a consensus price target of $24.00, suggesting a potential upside of 153.43%. Given Citizens’ stronger consensus rating and higher possible upside, research analysts plainly believe Citizens is more favorable than Sberbank of Russia.

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.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.