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Citizens (CIZN) Competitors

Citizens logo
$7.53 +0.05 (+0.70%)
As of 07/23/2025 12:04 PM Eastern

CIZN vs. FXNC, SWKH, FSFG, EFSI, CBNA, FRAF, BVFL, HNVR, PEBK, and OVBC

Should 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 (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.

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

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.

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)
2.00
Citizens
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

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%

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.

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.

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 Ratio
First National$92.70M2.14$6.97M$0.8326.60
Citizens$40.95M1.04$5.49M$0.809.41

Summary

First National beats Citizens on 12 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.
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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.
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CIZN vs. The Competition

MetricCitizensState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$42.28M$1.39B$12.15B$9.42B
Dividend Yield1.05%8.93%5.55%3.99%
P/E Ratio7.689.5119.1720.08
Price / Sales1.043.3426.3884.07
Price / Cash9.259.9621.6658.45
Price / Book0.990.982.335.83
Net Income$5.49M$756.71M$997.25M$258.27M
7 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

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
3.4166 of 5 stars
$7.53
+0.7%
$26.00
+245.3%
-4.3%$42.28M$40.95M7.68250Positive News
FXNC
First National
2.2846 of 5 stars
$20.87
+1.2%
$24.75
+18.6%
+33.4%$187.62M$92.70M25.14210News Coverage
Upcoming Earnings
SWKH
SWK
3.0577 of 5 stars
$15.18
+1.1%
$18.00
+18.6%
-13.5%$186.26M$44.99M10.2640
FSFG
First Savings Financial Group
4.3013 of 5 stars
$26.36
+1.2%
$32.33
+22.7%
+33.4%$182.41M$134.52M9.38470News Coverage
EFSI
Eagle Financial Services
2.8202 of 5 stars
$33.35
flat
$40.00
+19.9%
N/A$179.42M$112.88M16.11230
CBNA
Chain Bridge Bancorp
1.5663 of 5 stars
$26.57
-1.3%
$29.67
+11.7%
N/A$174.32M$57.24M0.0084Upcoming Earnings
Gap Down
FRAF
Franklin Financial Services
1.9898 of 5 stars
$39.00
+1.0%
N/A+40.8%$173.94M$115.13M15.00280News Coverage
Earnings Report
Dividend Announcement
BVFL
BV Financial
1.5527 of 5 stars
$15.59
-0.5%
N/A+17.6%$164.15M$38.33M14.71112Positive News
Earnings Report
HNVR
Hanover Bancorp
2.6127 of 5 stars
$22.59
-0.6%
$22.00
-2.6%
+28.9%$163.30M$70.28M17.24160News Coverage
Earnings Report
PEBK
Peoples Bancorp of North Carolina
2.8775 of 5 stars
$29.81
-0.4%
N/A-5.3%$162.76M$108.45M9.77310Earnings Report
Upcoming Earnings
OVBC
Ohio Valley Banc
1.5608 of 5 stars
$34.24
-1.1%
N/A+52.4%$161.27M$88.93M12.78260Upcoming Earnings

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This page (NASDAQ:CIZN) was last updated on 7/24/2025 by MarketBeat.com Staff
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