Head to Head Contrast: Citizens Bancshares (OTCMKTS:CZBS) and Chesapeake Financial Shares (OTCMKTS:CPKF)

Institutional and Insider Ownership

3.7% of Chesapeake Financial Shares shares are owned by institutional investors. 39.5% of Chesapeake Financial Shares shares are owned by company insiders. Comparatively, 10.2% of Citizens Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Chesapeake Financial Shares and Citizens Bancshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chesapeake Financial Shares	$102.27 million	1.60	$10.00 million	$4.22	8.23
Citizens Bancshares	$44.60 million	1.96	$10.59 million	N/A	N/A

Citizens Bancshares has lower revenue, but higher earnings than Chesapeake Financial Shares.

Dividends

Chesapeake Financial Shares pays an annual dividend of $0.68 per share and has a dividend yield of 2.0%. Citizens Bancshares pays an annual dividend of $1.20 per share and has a dividend yield of 2.4%. Chesapeake Financial Shares pays out 16.1% of its earnings in the form of a dividend.

Risk & Volatility

Chesapeake Financial Shares has a beta of 0.25, meaning that its share price is 75% less volatile than the S&P 500. Comparatively, Citizens Bancshares has a beta of 0.29, meaning that its share price is 71% less volatile than the S&P 500.

Profitability

This table compares Chesapeake Financial Shares and Citizens Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chesapeake Financial Shares	17.24%	15.88%	1.20%
Citizens Bancshares	N/A	N/A	N/A

Summary

Chesapeake Financial Shares beats Citizens Bancshares on 6 of the 11 factors compared between the two stocks.

About Chesapeake Financial Shares

Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States. The company accepts interest and noninterest checking, savings, and money market accounts; and variable-rate and fixed-term money market accounts, as well as certificates of deposit. It also offers mortgage, and single-family residential and residential construction loans; commercial loans, which include owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans; and consumer and other loans. In addition, the company provides merchant processing, accounts receivable financing, wealth management and trust, and mortgage banking services, as well as cash management services. The company was founded in 1900 and is based in Kilmarnock, Virginia.

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.