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Citizens (CIZN) Competitors

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$8.65 -0.10 (-1.14%)
As of 10/14/2026 03:49 PM Eastern

CIZN vs. BAFN, LARK, CBFV, SBFG, and BVFL

Should you buy Citizens stock or one of its competitors? Citizens's main competitors and comparable companies include BayFirst Financial (BAFN), Landmark Bancorp (LARK), CB Financial Services (CBFV), SB Financial Group (SBFG), and BV Financial (BVFL). 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 BayFirst Financial?

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

In the previous week, BayFirst Financial and BayFirst Financial both had 2 articles in the media. BayFirst Financial's average media sentiment score of 0.39 beat Citizens' score of 0.37 indicating that BayFirst Financial is being referred to more favorably in the media.

Company Overall Sentiment
BayFirst Financial Neutral
Citizens Neutral

BayFirst Financial has a beta of 0.52, meaning that its stock price is 48% less volatile than the broader market. Comparatively, Citizens has a beta of 0.09, meaning that its stock price is 91% less volatile than the broader market.

16.9% of BayFirst Financial shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 56.6% of BayFirst Financial shares are owned by insiders. Comparatively, 8.9% of Citizens shares are owned by 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 has lower revenue, but higher earnings than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
BayFirst Financial$104.19M1.36-$22.94M-$14.88N/A
Citizens$40.95M1.20$5.49M$1.685.15

Citizens has a consensus target price of $16.00, indicating a potential upside of 84.97%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly believe Citizens is more favorable than BayFirst Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BayFirst Financial
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00
Citizens
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
3.00

Citizens has a net margin of 7.00% compared to BayFirst Financial's net margin of -80.74%. Citizens' return on equity of 11.28% beat BayFirst Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
BayFirst Financial-80.74% -101.15% -4.83%
Citizens 7.00%11.28%0.37%

Summary

Citizens beats BayFirst Financial on 9 of the 15 factors compared between the two stocks.

How does Citizens compare to Landmark Bancorp?

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

25.7% of Landmark Bancorp shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 9.8% of Landmark Bancorp shares are owned by insiders. Comparatively, 8.9% of Citizens shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Landmark Bancorp has a beta of 0.4, meaning that its stock price is 60% less volatile than the broader market. Comparatively, Citizens has a beta of 0.09, meaning that its stock price is 91% less volatile than the broader market.

Citizens has a consensus target price of $16.00, suggesting a potential upside of 84.97%. Given Citizens' stronger consensus rating and higher probable upside, analysts clearly believe Citizens is more favorable than Landmark Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Landmark Bancorp
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50
Citizens
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
3.00

Landmark Bancorp pays an annual dividend of $0.84 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 0.9%. Landmark Bancorp pays out 25.5% 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. Landmark Bancorp has increased its dividend for 6 consecutive years and Citizens has increased its dividend for 1 consecutive years. Landmark Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Citizens had 1 more articles in the media than Landmark Bancorp. MarketBeat recorded 2 mentions for Citizens and 1 mentions for Landmark Bancorp. Landmark Bancorp's average media sentiment score of 1.40 beat Citizens' score of 0.37 indicating that Landmark Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Landmark Bancorp Positive
Citizens Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Landmark Bancorp$95.97M2.00$18.77M$3.299.59
Citizens$40.95M1.20$5.49M$1.685.15

Landmark Bancorp has a net margin of 20.56% compared to Citizens' net margin of 7.00%. Landmark Bancorp's return on equity of 12.49% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
Landmark Bancorp20.56% 12.49% 1.25%
Citizens 7.00%11.28%0.37%

Summary

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

How does Citizens compare to CB Financial Services?

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

In the previous week, Citizens had 1 more articles in the media than CB Financial Services. MarketBeat recorded 2 mentions for Citizens and 1 mentions for CB Financial Services. CB Financial Services' average media sentiment score of 1.79 beat Citizens' score of 0.37 indicating that CB Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
CB Financial Services Very Positive
Citizens Neutral

CB Financial Services has a beta of 0.29, meaning that its share price is 71% less volatile than the broader market. Comparatively, Citizens has a beta of 0.09, meaning that its share price is 91% less volatile than the broader market.

CB Financial Services presently has a consensus target price of $42.50, suggesting a potential upside of 12.73%. Citizens has a consensus target price of $16.00, suggesting a potential upside of 84.97%. Given Citizens' stronger consensus rating and higher possible upside, analysts plainly believe Citizens is more favorable than CB Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CB Financial Services
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Citizens
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
3.00

Citizens has lower revenue, but higher earnings than CB Financial Services. Citizens is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
CB Financial Services$46.13M4.15$4.90M$1.3527.93
Citizens$40.95M1.20$5.49M$1.685.15

CB Financial Services has a net margin of 8.52% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat CB Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
CB Financial Services8.52% 10.08% 1.00%
Citizens 7.00%11.28%0.37%

CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. CB Financial Services pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Citizens pays out 4.8% of its earnings in the form of a dividend. Citizens has raised its dividend for 1 consecutive years.

33.1% of CB Financial Services shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 10.2% of CB Financial Services shares are owned by company insiders. Comparatively, 8.9% of Citizens shares are owned 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.

Summary

CB Financial Services beats Citizens on 10 of the 19 factors compared between the two stocks.

How does Citizens compare to SB Financial Group?

SB Financial Group (NASDAQ:SBFG) and Citizens (NASDAQ:CIZN) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, profitability, risk, earnings, institutional ownership, media sentiment, analyst recommendations and dividends.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
SB Financial Group$91.03M2.01$13.97M$2.6810.95
Citizens$40.95M1.20$5.49M$1.685.15

SB Financial Group pays an annual dividend of $0.64 per share and has a dividend yield of 2.2%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. SB Financial Group pays out 23.9% 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. SB Financial Group has raised its dividend for 12 consecutive years and Citizens has raised its dividend for 1 consecutive years. SB Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

SB Financial Group has a net margin of 17.67% compared to Citizens' net margin of 7.00%. SB Financial Group's return on equity of 11.82% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
SB Financial Group17.67% 11.82% 1.07%
Citizens 7.00%11.28%0.37%

SB Financial Group has a beta of 0.19, meaning that its share price is 81% less volatile than the broader market. Comparatively, Citizens has a beta of 0.09, meaning that its share price is 91% less volatile than the broader market.

66.7% of SB Financial Group shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 6.0% of SB Financial Group shares are owned by company insiders. Comparatively, 8.9% of Citizens shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Citizens has a consensus price target of $16.00, indicating a potential upside of 84.97%. Given Citizens' stronger consensus rating and higher possible upside, analysts plainly believe Citizens is more favorable than SB Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SB Financial Group
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50
Citizens
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Citizens had 1 more articles in the media than SB Financial Group. MarketBeat recorded 2 mentions for Citizens and 1 mentions for SB Financial Group. SB Financial Group's average media sentiment score of 1.79 beat Citizens' score of 0.37 indicating that SB Financial Group is being referred to more favorably in the media.

Company Overall Sentiment
SB Financial Group Very Positive
Citizens Neutral

Summary

SB Financial Group beats Citizens on 13 of the 19 factors compared between the two stocks.

How does Citizens compare to BV Financial?

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

Citizens presently has a consensus target price of $16.00, suggesting a potential upside of 84.97%. Given Citizens' higher probable upside, equities analysts clearly believe Citizens is more favorable than BV Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
3.00
BV Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

BV Financial has a net margin of 25.01% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat BV Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
BV Financial 25.01%9.31%1.91%

9.7% of Citizens shares are held by institutional investors. Comparatively, 42.7% of BV Financial shares are held by institutional investors. 8.9% of Citizens shares are held by company insiders. Comparatively, 15.7% of BV Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.20$5.49M$1.685.15
BV Financial$52.43M3.50$13.49M$1.5214.25

Citizens has a beta of 0.09, indicating that its share price is 91% less volatile than the broader market. Comparatively, BV Financial has a beta of 0.3, indicating that its share price is 70% less volatile than the broader market.

In the previous week, Citizens and Citizens both had 2 articles in the media. BV Financial's average media sentiment score of 0.94 beat Citizens' score of 0.37 indicating that BV Financial 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)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
BV Financial
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

BV Financial beats Citizens on 10 of the 14 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

MetricCitizensBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$49.25M$22.78B$13.60B$13.18B
Dividend YieldN/A3.15%6.09%19.59%
P/E Ratio8.8324.5922.9421.16
Price / Sales1.209.11477.8066.59
Price / Cash9.2514.6743.3652.75
Price / Book1.131.312.685.92
Net Income$5.49M$2.60B$1.32B$380.90M
7 Day Performance-1.42%-0.69%-0.89%-3.90%
1 Month Performance-17.62%-3.69%-2.88%-6.42%
1 Year Performance30.40%20.11%8.68%-6.02%

Citizens Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
3.1163 of 5 stars
$8.65
-1.1%
$16.00
+85.0%
+30.6%$49.25M$40.95M8.83246
BAFN
BayFirst Financial
0.2576 of 5 stars
$7.22
-0.6%
N/A-43.7%$195.75M$104.19MN/A143
LARK
Landmark Bancorp
2.7979 of 5 stars
$31.50
+0.7%
N/A+27.4%$190.76M$95.97M9.58283
CBFV
CB Financial Services
3.7066 of 5 stars
$37.35
+0.2%
$42.50
+13.8%
+15.6%$189.44M$80.52M27.67174
SBFG
SB Financial Group
3.6068 of 5 stars
$29.02
-1.6%
N/A+48.3%$184.34M$91.03M10.83254

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This page (NASDAQ:CIZN) was last updated on 10/15/2026 by MarketBeat.com Staff.
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