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Citizens (CIZN) Competitors

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$10.97 0.00 (0.00%)
As of 08/14/2026

CIZN vs. PEBK, MRBK, OPBK, FSBW, and CFBK

Should you buy Citizens stock or one of its competitors? Citizens's main competitors and comparable companies include Peoples Bancorp of North Carolina (PEBK), Meridian Bank (MRBK), OP Bancorp (OPBK), FS Bancorp (FSBW), and CF Bankshares (CFBK). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Citizens compare to Peoples Bancorp of North Carolina?

Citizens (NASDAQ:CIZN) and Peoples Bancorp of North Carolina (NASDAQ:PEBK) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their media sentiment, institutional ownership, profitability, analyst recommendations, dividends, valuation, earnings and risk.

In the previous week, Peoples Bancorp of North Carolina had 3 more articles in the media than Citizens. MarketBeat recorded 4 mentions for Peoples Bancorp of North Carolina and 1 mentions for Citizens. Peoples Bancorp of North Carolina's average media sentiment score of 0.75 beat Citizens' score of 0.00 indicating that Peoples Bancorp of North Carolina is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Peoples Bancorp of North Carolina
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Citizens has a beta of 0.05, meaning that its stock price is 95% less volatile than the broader market. Comparatively, Peoples Bancorp of North Carolina has a beta of 0.29, meaning that its stock price is 71% less volatile than the broader market.

Citizens presently has a consensus target price of $19.50, indicating a potential upside of 77.76%. Given Citizens' higher possible upside, equities research analysts plainly believe Citizens is more favorable than Peoples Bancorp of North Carolina.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00
Peoples Bancorp of North Carolina
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Peoples Bancorp of North Carolina has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than Peoples Bancorp of North Carolina, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.53$5.49M$1.686.53
Peoples Bancorp of North Carolina$114.60M2.14$19.83M$3.6412.32

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. Peoples Bancorp of North Carolina pays an annual dividend of $0.84 per share and has a dividend yield of 1.9%. Citizens pays out 4.8% of its earnings in the form of a dividend. Peoples Bancorp of North Carolina pays out 23.1% 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 raised its dividend for 1 consecutive years and Peoples Bancorp of North Carolina has raised its dividend for 1 consecutive years.

9.7% of Citizens shares are owned by institutional investors. Comparatively, 43.8% of Peoples Bancorp of North Carolina shares are owned by institutional investors. 8.9% of Citizens shares are owned by insiders. Comparatively, 14.5% of Peoples Bancorp of North Carolina shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Peoples Bancorp of North Carolina has a net margin of 17.25% compared to Citizens' net margin of 7.00%. Peoples Bancorp of North Carolina's return on equity of 12.75% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
Peoples Bancorp of North Carolina 17.25%12.75%1.15%

Summary

Peoples Bancorp of North Carolina beats Citizens on 14 of the 17 factors compared between the two stocks.

How does Citizens compare to Meridian Bank?

Citizens (NASDAQ:CIZN) and Meridian Bank (NASDAQ:MRBK) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, media sentiment, risk, profitability, institutional ownership, analyst recommendations, earnings and valuation.

Citizens has a beta of 0.05, indicating that its stock price is 95% less volatile than the broader market. Comparatively, Meridian Bank has a beta of 0.66, indicating that its stock price is 34% less volatile than the broader market.

Meridian Bank has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than Meridian Bank, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.53$5.49M$1.686.53
Meridian Bank$205.49M1.17$21.84M$2.069.75

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. Meridian Bank pays an annual dividend of $0.56 per share and has a dividend yield of 2.8%. Citizens pays out 4.8% of its earnings in the form of a dividend. Meridian Bank pays out 27.2% 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 raised its dividend for 1 consecutive years.

In the previous week, Citizens and Citizens both had 1 articles in the media. Meridian Bank's average media sentiment score of 1.87 beat Citizens' score of 0.00 indicating that Meridian Bank is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Neutral
Meridian Bank Very Positive

Meridian Bank has a net margin of 11.89% compared to Citizens' net margin of 7.00%. Meridian Bank's return on equity of 12.29% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
Meridian Bank 11.89%12.29%0.95%

9.7% of Citizens shares are held by institutional investors. Comparatively, 58.6% of Meridian Bank shares are held by institutional investors. 8.9% of Citizens shares are held by company insiders. Comparatively, 14.1% of Meridian Bank shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Citizens currently has a consensus target price of $19.50, suggesting a potential upside of 77.76%. Meridian Bank has a consensus target price of $22.00, suggesting a potential upside of 9.56%. Given Citizens' stronger consensus rating and higher possible upside, equities research analysts clearly believe Citizens is more favorable than Meridian Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00
Meridian Bank
1 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50

Summary

Meridian Bank beats Citizens on 11 of the 17 factors compared between the two stocks.

How does Citizens compare to OP Bancorp?

OP Bancorp (NASDAQ:OPBK) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, earnings, institutional ownership, media sentiment and dividends.

OP Bancorp currently has a consensus target price of $17.75, indicating a potential upside of 13.56%. Citizens has a consensus target price of $19.50, indicating a potential upside of 77.76%. Given Citizens' higher probable upside, analysts plainly believe Citizens is more favorable than OP Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OP Bancorp
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.00
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, OP Bancorp had 2 more articles in the media than Citizens. MarketBeat recorded 3 mentions for OP Bancorp and 1 mentions for Citizens. OP Bancorp's average media sentiment score of 0.85 beat Citizens' score of 0.00 indicating that OP Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
OP Bancorp
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

OP Bancorp has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than OP Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OP Bancorp$99.03M2.36$25.64M$1.938.10
Citizens$40.95M1.53$5.49M$1.686.53

OP Bancorp has a net margin of 16.87% compared to Citizens' net margin of 7.00%. OP Bancorp's return on equity of 12.59% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
OP Bancorp16.87% 12.59% 1.08%
Citizens 7.00%11.28%0.37%

OP Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 3.6%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. OP Bancorp pays out 29.0% of its earnings in the form of a dividend. Citizens pays out 4.8% 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.

53.6% of OP Bancorp shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 9.6% of OP Bancorp 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 is poised for long-term growth.

OP Bancorp has a beta of 0.59, suggesting that its share price is 41% less volatile than the broader market. Comparatively, Citizens has a beta of 0.05, suggesting that its share price is 95% less volatile than the broader market.

Summary

OP Bancorp beats Citizens on 14 of the 19 factors compared between the two stocks.

How does Citizens compare to FS Bancorp?

FS Bancorp (NASDAQ:FSBW) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, institutional ownership, valuation, risk, analyst recommendations, media sentiment, earnings and dividends.

FS Bancorp has a beta of 0.66, suggesting that its stock price is 34% less volatile than the broader market. Comparatively, Citizens has a beta of 0.05, suggesting that its stock price is 95% less volatile than the broader market.

In the previous week, FS Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 2 mentions for FS Bancorp and 1 mentions for Citizens. FS Bancorp's average media sentiment score of 0.79 beat Citizens' score of 0.00 indicating that FS Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
FS Bancorp
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

FS Bancorp presently has a consensus target price of $45.00, indicating a potential upside of 3.50%. Citizens has a consensus target price of $19.50, indicating a potential upside of 77.76%. Given Citizens' stronger consensus rating and higher probable upside, analysts plainly believe Citizens is more favorable than FS Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FS Bancorp
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

63.9% of FS Bancorp shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 12.9% of FS Bancorp shares are held by company insiders. Comparatively, 8.9% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

FS Bancorp has a net margin of 14.88% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat FS Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
FS Bancorp14.88% 10.86% 1.05%
Citizens 7.00%11.28%0.37%

FS Bancorp has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than FS Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
FS Bancorp$152.61M2.12$33.35M$4.3410.02
Citizens$40.95M1.53$5.49M$1.686.53

FS Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 2.7%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. FS Bancorp pays out 26.7% of its earnings in the form of a dividend. Citizens pays out 4.8% 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. FS Bancorp has raised its dividend for 12 consecutive years and Citizens has raised its dividend for 1 consecutive years. FS Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

FS Bancorp beats Citizens on 13 of the 19 factors compared between the two stocks.

How does Citizens compare to CF Bankshares?

Citizens (NASDAQ:CIZN) and CF Bankshares (NASDAQ:CFBK) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, valuation, earnings, media sentiment, analyst recommendations and risk.

Citizens presently has a consensus price target of $19.50, indicating a potential upside of 77.76%. CF Bankshares has a consensus price target of $40.00, indicating a potential upside of 10.96%. Given Citizens' stronger consensus rating and higher possible upside, equities analysts plainly believe Citizens is more favorable than CF Bankshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00
CF Bankshares
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

CF Bankshares has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than CF Bankshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.53$5.49M$1.686.53
CF Bankshares$61.81M3.74$17.54M$2.9112.39

In the previous week, CF Bankshares had 2 more articles in the media than Citizens. MarketBeat recorded 3 mentions for CF Bankshares and 1 mentions for Citizens. CF Bankshares' average media sentiment score of 0.85 beat Citizens' score of 0.00 indicating that CF Bankshares is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
CF Bankshares
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Citizens has a beta of 0.05, meaning that its share price is 95% less volatile than the broader market. Comparatively, CF Bankshares has a beta of 0.39, meaning that its share price is 61% less volatile than the broader market.

9.7% of Citizens shares are held by institutional investors. Comparatively, 41.1% of CF Bankshares shares are held by institutional investors. 8.9% of Citizens shares are held by insiders. Comparatively, 17.7% of CF Bankshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

CF Bankshares has a net margin of 15.10% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat CF Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
CF Bankshares 15.10%10.10%0.88%

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.0%. Citizens pays out 4.8% of its earnings in the form of a dividend. CF Bankshares pays out 12.4% 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. Citizens has increased its dividend for 1 consecutive years and CF Bankshares has increased its dividend for 4 consecutive years. CF Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

CF Bankshares beats Citizens on 14 of the 19 factors compared between the two stocks.

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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

MetricCitizensBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$62.46M$23.93B$14.16B$13.06B
Dividend YieldN/A3.14%5.87%10.45%
P/E Ratio11.1928.2929.3425.33
Price / Sales1.539.81514.3078.45
Price / Cash9.2516.3337.4950.90
Price / Book1.441.383.716.25
Net Income$5.49M$2.57B$1.31B$347.82M
7 Day Performance2.52%1.05%0.77%1.08%
1 Month Performance10.47%3.26%1.56%0.82%
1 Year Performance51.94%27.82%12.52%20.99%

Citizens Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
2.3076 of 5 stars
$10.97
flat
$19.50
+77.8%
+51.9%$62.46M$40.95M11.19250
PEBK
Peoples Bancorp of North Carolina
2.0841 of 5 stars
$43.45
-0.1%
N/A+48.2%$237.57M$114.60M11.94310
MRBK
Meridian Bank
3.934 of 5 stars
$19.85
+0.1%
$22.00
+10.8%
+33.9%$235.90M$205.49M9.64410
OPBK
OP Bancorp
4.4132 of 5 stars
$15.75
-0.1%
$17.75
+12.7%
+12.3%$234.73M$99.03M8.16190
FSBW
FS Bancorp
3.2742 of 5 stars
$43.47
+1.1%
$45.00
+3.5%
+5.4%$232.77M$152.61M10.02540

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This page (NASDAQ:CIZN) was last updated on 8/15/2026 by MarketBeat.com Staff.
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