Citizens (CIZN) Competitors $7.53 +0.05 (+0.70%) As of 07/23/2025 12:04 PM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesSEC FilingsShort InterestTrendsBuy This Stock CIZN vs. FXNC, SWKH, FSFG, EFSI, CBNA, FRAF, BVFL, HNVR, PEBK, and OVBCShould you be buying Citizens stock or one of its competitors? The main competitors of Citizens include First National (FXNC), SWK (SWKH), First Savings Financial Group (FSFG), Eagle Financial Services (EFSI), Chain Bridge Bancorp (CBNA), Franklin Financial Services (FRAF), BV Financial (BVFL), Hanover Bancorp (HNVR), Peoples Bancorp of North Carolina (PEBK), and Ohio Valley Banc (OVBC). These companies are all part of the "banking" industry. Citizens vs. Its Competitors First National SWK First Savings Financial Group Eagle Financial Services Chain Bridge Bancorp Franklin Financial Services BV Financial Hanover Bancorp Peoples Bancorp of North Carolina Ohio Valley Banc First National (NASDAQ:FXNC) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, media sentiment, risk, institutional ownership, earnings and analyst recommendations. Does the media refer more to FXNC or CIZN? In the previous week, First National had 2 more articles in the media than Citizens. MarketBeat recorded 2 mentions for First National and 0 mentions for Citizens. Citizens' average media sentiment score of 1.32 beat First National's score of 0.00 indicating that Citizens is being referred to more favorably in the news media. Company Overall Sentiment First National Neutral Citizens Positive Is FXNC or CIZN a better dividend stock? First National pays an annual dividend of $0.62 per share and has a dividend yield of 2.8%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.1%. First National pays out 74.7% of its earnings in the form of a dividend. Citizens pays out 10.0% 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. First National has raised its dividend for 10 consecutive years and Citizens has raised its dividend for 1 consecutive years. First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Do analysts rate FXNC or CIZN? First National currently has a consensus target price of $24.75, suggesting a potential upside of 12.09%. Citizens has a consensus target price of $26.00, suggesting a potential upside of 245.29%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly believe Citizens is more favorable than First National.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score First National 0 Sell rating(s) 2 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00Citizens 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 Is FXNC or CIZN more profitable? Citizens has a net margin of 7.00% compared to First National's net margin of 5.36%. Citizens' return on equity of 11.28% beat First National's return on equity.Company Net Margins Return on Equity Return on Assets First National5.36% 10.04% 0.84% Citizens 7.00%11.28%0.37% Do institutionals & insiders believe in FXNC or CIZN? 33.9% of First National shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 14.3% of First National shares are held by insiders. Comparatively, 8.9% of Citizens shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term. Which has more volatility and risk, FXNC or CIZN? First National has a beta of 0.49, indicating that its share price is 51% less volatile than the S&P 500. Comparatively, Citizens has a beta of -0.05, indicating that its share price is 105% less volatile than the S&P 500. Which has preferable valuation and earnings, FXNC or CIZN? First National has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than First National, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioFirst National$92.70M2.14$6.97M$0.8326.60Citizens$40.95M1.04$5.49M$0.809.41 SummaryFirst National beats Citizens on 12 of the 19 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. Email Address 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$42.28M$1.39B$12.15B$9.42BDividend Yield1.05%8.93%5.55%3.99%P/E Ratio7.689.5119.1720.08Price / Sales1.043.3426.3884.07Price / Cash9.259.9621.6658.45Price / Book0.990.982.335.83Net Income$5.49M$756.71M$997.25M$258.27M7 Day Performance-5.28%0.13%1.39%2.69%1 Month Performance-9.28%4.25%4.45%12.91%1 Year Performance-4.08%2.54%542.15%21.81% Citizens Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CIZNCitizens3.4166 of 5 stars$7.53+0.7%$26.00+245.3%-4.3%$42.28M$40.95M7.68250Positive NewsFXNCFirst National2.2846 of 5 stars$20.87+1.2%$24.75+18.6%+33.4%$187.62M$92.70M25.14210News CoverageUpcoming EarningsSWKHSWK3.0577 of 5 stars$15.18+1.1%$18.00+18.6%-13.5%$186.26M$44.99M10.2640FSFGFirst Savings Financial Group4.3013 of 5 stars$26.36+1.2%$32.33+22.7%+33.4%$182.41M$134.52M9.38470News CoverageEFSIEagle Financial Services2.8202 of 5 stars$33.35flat$40.00+19.9%N/A$179.42M$112.88M16.11230CBNAChain Bridge Bancorp1.5663 of 5 stars$26.57-1.3%$29.67+11.7%N/A$174.32M$57.24M0.0084Upcoming EarningsGap DownFRAFFranklin Financial Services1.9898 of 5 stars$39.00+1.0%N/A+40.8%$173.94M$115.13M15.00280News CoverageEarnings ReportDividend AnnouncementBVFLBV Financial1.5527 of 5 stars$15.59-0.5%N/A+17.6%$164.15M$38.33M14.71112Positive NewsEarnings ReportHNVRHanover Bancorp2.6127 of 5 stars$22.59-0.6%$22.00-2.6%+28.9%$163.30M$70.28M17.24160News CoverageEarnings ReportPEBKPeoples Bancorp of North Carolina2.8775 of 5 stars$29.81-0.4%N/A-5.3%$162.76M$108.45M9.77310Earnings ReportUpcoming EarningsOVBCOhio Valley Banc1.5608 of 5 stars$34.24-1.1%N/A+52.4%$161.27M$88.93M12.78260Upcoming Earnings Related Companies and Tools Related Companies First National Competitors SWK Competitors First Savings Financial Group Competitors Eagle Financial Services Competitors Chain Bridge Bancorp Competitors Franklin Financial Services Competitors BV Financial Competitors Hanover Bancorp Competitors Peoples Bancorp of North Carolina Competitors Ohio Valley Banc 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 7/24/2025 by MarketBeat.com Staff From Our PartnersBuffett to put 90% of his money in this one stock?CPA and CFA says you have WAY too many stocks - just buy these 3 After years working at the biggest accoun...Altimetry | SponsoredCritical AI announcement set to ignite AI 2.0 I just put together an urgent new presentation that you need to see right away. 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