Citizens (CIZN) Competitors $6.70 +0.10 (+1.52%) As of 10/8/2025 01:44 PM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesSEC FilingsShort InterestTrendsBuy This Stock CIZN vs. RMBI, BCBP, TROO, ECBK, FNWD, CFBK, EBMT, SRBK, NCTY, and RBKBShould you be buying Citizens stock or one of its competitors? The main competitors of Citizens include Richmond Mutual Bancorporation (RMBI), BCB Bancorp, Inc. (NJ) (BCBP), TROOPS (TROO), ECB Bancorp (ECBK), Finward Bancorp (FNWD), CF Bankshares (CFBK), Eagle Bancorp Montana (EBMT), SR Bancorp (SRBK), The9 (NCTY), and Rhinebeck Bancorp (RBKB). These companies are all part of the "banking" industry. Citizens vs. Its Competitors Richmond Mutual Bancorporation BCB Bancorp, Inc. (NJ) TROOPS ECB Bancorp Finward Bancorp CF Bankshares Eagle Bancorp Montana SR Bancorp The9 Rhinebeck Bancorp Richmond Mutual Bancorporation (NASDAQ:RMBI) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, media sentiment, dividends, valuation, risk, institutional ownership, analyst recommendations and earnings. Is RMBI or CIZN a better dividend stock? Richmond Mutual Bancorporation pays an annual dividend of $0.60 per share and has a dividend yield of 4.2%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.2%. Richmond Mutual Bancorporation pays out 63.8% of its earnings in the form of a dividend. Citizens pays out 8.4% 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. Richmond Mutual Bancorporation has raised its dividend for 1 consecutive years and Citizens has raised its dividend for 1 consecutive years. Do institutionals and insiders believe in RMBI or CIZN? 26.5% of Richmond Mutual Bancorporation shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 8.2% of Richmond Mutual Bancorporation shares are held by company insiders. Comparatively, 8.9% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term. Is RMBI or CIZN more profitable? Richmond Mutual Bancorporation has a net margin of 10.83% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat Richmond Mutual Bancorporation's return on equity.Company Net Margins Return on Equity Return on Assets Richmond Mutual Bancorporation10.83% 7.10% 0.63% Citizens 7.00%11.28%0.37% Do analysts rate RMBI or CIZN? Citizens has a consensus target price of $23.00, suggesting a potential upside of 243.28%. Given Citizens' higher probable upside, analysts plainly believe Citizens is more favorable than Richmond Mutual Bancorporation.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Richmond Mutual Bancorporation 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00Citizens 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 Which has better earnings & valuation, RMBI or CIZN? Richmond Mutual Bancorporation has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than Richmond Mutual Bancorporation, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioRichmond Mutual Bancorporation$85.28M1.75$9.38M$0.9415.18Citizens$40.95M0.93$5.49M$0.957.05 Does the media refer more to RMBI or CIZN? In the previous week, Richmond Mutual Bancorporation's average media sentiment score of 0.00 equaled Citizens'average media sentiment score. Company Overall Sentiment Richmond Mutual Bancorporation Neutral Citizens Neutral SummaryRichmond Mutual Bancorporation beats Citizens on 8 of the 13 factors compared between the two stocks. Get Citizens News Delivered to You Automatically Sign up to receive the latest news and ratings for CIZN and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart CIZN vs. The Competition Export to ExcelMetricCitizensState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$37.88M$1.10B$12.69B$10.55BDividend Yield1.21%10.06%5.54%4.75%P/E Ratio6.849.1930.1627.60Price / Sales0.933.3830.11224.03Price / Cash9.2510.1122.5761.55Price / Book0.881.032.296.76Net Income$5.49M$885.92M$1.02B$275.88M7 Day Performance1.06%0.96%0.36%2.81%1 Month Performance0.15%0.35%0.36%9.24%1 Year Performance-23.86%4.45%539.81%35.42% Citizens Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CIZNCitizens3.2941 of 5 stars$6.70+1.5%$23.00+243.3%-24.4%$37.88M$40.95M6.84250RMBIRichmond Mutual BancorporationN/A$14.32+0.6%N/A+9.8%$149.36M$85.28M15.23180Positive NewsBCBPBCB Bancorp, Inc. (NJ)3.5618 of 5 stars$8.54-0.4%$9.50+11.3%-30.2%$146.72M$196.95M44.92290Analyst ForecastTROOTROOPS0.4986 of 5 stars$1.30-1.9%N/A-40.8%$145.70M$10.07M0.0020Trending NewsAnalyst ForecastShort Interest ↓ECBKECB BancorpN/A$15.81+0.8%N/A+7.5%$139.89M$28.64M24.7050Analyst ForecastGap UpFNWDFinward Bancorp2.9006 of 5 stars$32.13-0.1%$34.00+5.8%+0.6%$138.80M$111.82M25.91280News CoveragePositive NewsAnalyst ForecastCFBKCF Bankshares4.1136 of 5 stars$24.05-0.2%$29.00+20.6%+9.1%$138.71M$123.56M8.65130News CoverageAnalyst DowngradeEBMTEagle Bancorp Montana3.809 of 5 stars$17.11-1.3%N/A+7.4%$135.90M$84.53M10.68350Positive NewsAnalyst ForecastSRBKSR Bancorp0.6139 of 5 stars$14.99+2.3%N/A+33.0%$134.87M$48.54M34.0665News CoveragePositive NewsAnalyst UpgradeNCTYThe90.8065 of 5 stars$10.47+1.8%N/A+52.4%$130.44M$111.71M0.0070Analyst ForecastRBKBRhinebeck Bancorp0.0756 of 5 stars$11.32-1.0%N/A+22.6%$126.21M$54.24M-21.06200Positive NewsAnalyst Forecast Related Companies and Tools Related Companies Richmond Mutual Bancorporation Competitors BCB Bancorp, Inc. (NJ) Competitors TROOPS Competitors ECB Bancorp Competitors Finward Bancorp Competitors CF Bankshares Competitors Eagle Bancorp Montana Competitors SR Bancorp Competitors The9 Competitors Rhinebeck Bancorp Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CIZN) was last updated on 10/9/2025 by MarketBeat.com Staff From Our PartnersBitcoin grabs headlines, but smart money likes this tokenBitcoin grabs headlines, but smart money likes this token My research team has identified the token positio...Crypto 101 Media | SponsoredMagnificent 7 being replaced by the “Hidden 7”?BULLISH: It's time to buy this 'hidden' AI stock An award-winning stock-rating system has turned BULLISH on...Chaikin Analytics | SponsoredCapital Gains Tax Strategies for SeniorsCapital gains taxes can take a bite out of your retirement income—unless you have a smart strategy. From holdi...SmartAsset | SponsoredAn $8 trillion-dollar discovery 17,000 ft underwater A strange rock pulled from the ocean floor may hold the key to a $16 trillion resource boom. Inside it: materi...Porter & Company | SponsoredREVEALED: Something Big Happening Behind White House DoorsWhat I just learned about what’s unfolding in the White House is truly stunning… And you need to see it for...Paradigm Press | SponsoredURGENT: The Market's 3 Red Flags Are FlashingHere’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash befor...StockEarnings | SponsoredINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | Sponsored2013 miner reveals his trading systemWhile everyone else is gambling on meme coins or chasing the next "100x moonshot," our members are systematica...Crypto Swap Profits | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Citizens Holding Please log in to your account or sign up in order to add this asset to your watchlist. Share Citizens With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
