CIZN vs. UBFO, HNVR, CZWI, BCBP, LARK, RMBI, PNBK, ECBK, RBKB, and CFBK
Should you be buying Citizens stock or one of its competitors? The main competitors of Citizens include United Security Bancshares (UBFO), Hanover Bancorp (HNVR), Citizens Community Bancorp (CZWI), BCB Bancorp, Inc. (NJ) (BCBP), Landmark Bancorp (LARK), Richmond Mutual Bancorporation (RMBI), Patriot National Bancorp (PNBK), ECB Bancorp (ECBK), Rhinebeck Bancorp (RBKB), and CF Bankshares (CFBK). These companies are all part of the "banking" industry.
Citizens vs. Its Competitors
Citizens (NASDAQ:CIZN) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their valuation, dividends, risk, institutional ownership, analyst recommendations, media sentiment, earnings and profitability.
In the previous week, Citizens had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Citizens and 0 mentions for United Security Bancshares. Citizens' average media sentiment score of 1.46 beat United Security Bancshares' score of 0.00 indicating that Citizens is being referred to more favorably in the media.
9.7% of Citizens shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 8.9% of Citizens shares are owned by company insiders. Comparatively, 22.1% of United Security Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
United Security Bancshares has a net margin of 17.07% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat United Security Bancshares' return on equity.
Citizens has a beta of -0.02, meaning that its share price is 102% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.42, meaning that its share price is 58% less volatile than the S&P 500.
Citizens currently has a consensus price target of $26.00, suggesting a potential upside of 288.06%. Given Citizens' stronger consensus rating and higher possible upside, equities analysts plainly believe Citizens is more favorable than United Security Bancshares.
Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.2%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.1%. Citizens pays out 8.4% of its earnings in the form of a dividend. United Security Bancshares pays out 72.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Citizens has increased its dividend for 1 consecutive years and United Security Bancshares has increased its dividend for 2 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
United Security Bancshares has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than United Security Bancshares, indicating that it is currently the more affordable of the two stocks.
Summary
United Security Bancshares beats Citizens on 11 of the 19 factors compared between the two stocks.
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New MarketBeat Followers Over Time
This chart shows the number of new MarketBeat users adding CIZN and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Media Sentiment Over Time
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
Citizens Competitors List
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This page (NASDAQ:CIZN) was last updated on 9/4/2025 by MarketBeat.com Staff
