Citizens Bancshares Co. (GA) (CZBS) vs. RBB Bancorp (RBB) Critical Survey

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

Earnings & Valuation

This table compares RBB Bancorp and Citizens Bancshares Co. (GA)’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
RBB Bancorp $114.96 million 3.33 $36.10 million $2.13 8.96
Citizens Bancshares Co. (GA) N/A N/A N/A N/A N/A

RBB Bancorp has higher revenue and earnings than Citizens Bancshares Co. (GA).

Profitability

This table compares RBB Bancorp and Citizens Bancshares Co. (GA)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
RBB Bancorp 31.77% 11.78% 1.68%
Citizens Bancshares Co. (GA) N/A N/A N/A

Analyst Recommendations

This is a summary of current ratings and recommmendations for RBB Bancorp and Citizens Bancshares Co. (GA), as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
RBB Bancorp 0 0 2 0 3.00
Citizens Bancshares Co. (GA) 0 0 0 0 N/A

RBB Bancorp presently has a consensus target price of $35.50, indicating a potential upside of 86.06%. Given RBB Bancorp’s higher possible upside, research analysts plainly believe RBB Bancorp is more favorable than Citizens Bancshares Co. (GA).

Insider and Institutional Ownership

31.7% of RBB Bancorp shares are owned by institutional investors. 27.4% of RBB Bancorp shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

RBB Bancorp has a beta of 1.23, indicating that its share price is 23% more volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.31, indicating that its share price is 69% less volatile than the S&P 500.

Dividends

RBB Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.1%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.25 per share and has a dividend yield of 2.5%. RBB Bancorp pays out 18.8% of its earnings in the form of a dividend.

Summary

RBB Bancorp beats Citizens Bancshares Co. (GA) on 9 of the 11 factors compared between the two stocks.

About RBB Bancorp

RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American communities. Its deposit products include checking, savings, and money market accounts; and certificates of deposits. The company offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential construction, commercial construction, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and trust, remote deposit, e-banking, and mobile banking services, as well as operates a loan production office in California. The company primarily offers its products and services to individuals, small and middle-market businesses, municipalities, and other entities. As of March 1, 2019, it operated 10 branches in Los Angeles County; 2 branches in Ventura County; 1 branch in Irvine, California; 1 branch in Las Vegas, Nevada; and 8 branches and 2 loan offices in Brooklyn, Queens, and Manhattan in New York. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.

About Citizens Bancshares Co. (GA)

Citizens Bancshares Corporation provides banking solutions. Citizens Bancshares Corporation was founded in 1921 and is based in Atlanta, Georgia.

Receive News & Ratings for RBB Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for RBB Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.