Go Pro

Citizens (CIZN) Competitors

Citizens logo
$9.63 0.00 (0.00%)
As of 07/1/2026

CIZN vs. CZWI, OPBK, FCAP, BGIN, and CPSS

Should you buy Citizens stock or one of its competitors? MarketBeat compares Citizens with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Citizens include Citizens Community Bancorp (CZWI), OP Bancorp (OPBK), First Capital (FCAP), Bgin Blockchain (BGIN), and Consumer Portfolio Services (CPSS). These companies are all part of the "banking" industry.

How does Citizens compare to Citizens Community Bancorp?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Community Bancorp$98.77M2.31$14.42M$1.5315.47
Citizens$40.95M1.34$5.49M$1.456.64

Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 1.8%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Citizens Community Bancorp pays out 27.5% of its earnings in the form of a dividend. Citizens pays out 5.5% 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 Community Bancorp has increased its dividend for 6 consecutive years and Citizens has increased its dividend for 1 consecutive years. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Citizens Community Bancorp and Citizens Community Bancorp both had 1 articles in the media. Citizens Community Bancorp's average media sentiment score of 1.87 beat Citizens' score of 0.67 indicating that Citizens Community Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Citizens Community Bancorp Very Positive
Citizens Positive

55.1% of Citizens Community Bancorp shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 4.1% of Citizens Community 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 large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Citizens Community Bancorp has a net margin of 15.02% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat Citizens Community Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Community Bancorp15.02% 8.00% 0.85%
Citizens 7.00%11.28%0.37%

Citizens has a consensus target price of $24.00, indicating a potential upside of 149.22%. Given Citizens' higher possible upside, analysts clearly believe Citizens is more favorable than Citizens Community Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Community Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.50
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

Citizens Community Bancorp has a beta of 0.5, suggesting that its share price is 50% less volatile than the broader market. Comparatively, Citizens has a beta of 0.06, suggesting that its share price is 94% less volatile than the broader market.

Summary

Citizens Community Bancorp beats Citizens on 14 of the 19 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 contrast the two companies based on the strength of their media sentiment, valuation, analyst recommendations, profitability, risk, earnings, dividends and institutional ownership.

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$97.00M2.32$25.64M$1.828.32
Citizens$40.95M1.34$5.49M$1.456.64

In the previous week, Citizens had 1 more articles in the media than OP Bancorp. MarketBeat recorded 1 mentions for Citizens and 0 mentions for OP Bancorp. OP Bancorp's average media sentiment score of 1.43 beat Citizens' score of 0.67 indicating that OP Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
OP Bancorp Positive
Citizens Positive

OP Bancorp currently has a consensus price target of $16.50, suggesting a potential upside of 8.98%. Citizens has a consensus price target of $24.00, suggesting a potential upside of 149.22%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly 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)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

OP Bancorp has a net margin of 16.12% compared to Citizens' net margin of 7.00%. OP Bancorp's return on equity of 12.20% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
OP Bancorp16.12% 12.20% 1.04%
Citizens 7.00%11.28%0.37%

OP Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 3.7%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. OP Bancorp pays out 30.8% of its earnings in the form of a dividend. Citizens pays out 5.5% 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.

OP Bancorp has a beta of 0.6, meaning that its stock price is 40% less volatile than the broader market. Comparatively, Citizens has a beta of 0.06, meaning that its stock price is 94% less volatile than the broader market.

53.6% of OP Bancorp shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 9.6% of OP Bancorp shares are owned by company insiders. Comparatively, 8.9% of Citizens shares are owned by company 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.

Summary

OP Bancorp beats Citizens on 12 of the 19 factors compared between the two stocks.

How does Citizens compare to First Capital?

First Capital (NASDAQ:FCAP) 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 institutional ownership, profitability, valuation, analyst recommendations, media sentiment, earnings, risk and dividends.

First Capital has a net margin of 26.03% compared to Citizens' net margin of 7.00%. First Capital's return on equity of 12.82% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
First Capital26.03% 12.82% 1.38%
Citizens 7.00%11.28%0.37%

Citizens has a consensus target price of $24.00, suggesting a potential upside of 149.22%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly believe Citizens is more favorable than First Capital.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Capital
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)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

First Capital pays an annual dividend of $1.24 per share and has a dividend yield of 1.9%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. First Capital pays out 23.7% of its earnings in the form of a dividend. Citizens pays out 5.5% 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 Capital has increased its dividend for 2 consecutive years and Citizens has increased its dividend for 1 consecutive years. First Capital is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

11.7% of First Capital shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 4.1% of First Capital shares are held by company insiders. Comparatively, 8.9% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

First Capital has a beta of 0.71, suggesting that its stock price is 29% less volatile than the broader market. Comparatively, Citizens has a beta of 0.06, suggesting that its stock price is 94% less volatile than the broader market.

In the previous week, First Capital and First Capital both had 1 articles in the media. First Capital's average media sentiment score of 1.28 beat Citizens' score of 0.67 indicating that First Capital is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Capital
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)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Capital$65.31M3.32$16.37M$5.2312.37
Citizens$40.95M1.34$5.49M$1.456.64

Summary

First Capital beats Citizens on 13 of the 18 factors compared between the two stocks.

How does Citizens compare to Bgin Blockchain?

Bgin Blockchain (NASDAQ:BGIN) and Citizens (NASDAQ:CIZN) are both small-cap banking companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings, risk and media sentiment.

In the previous week, Citizens had 1 more articles in the media than Bgin Blockchain. MarketBeat recorded 1 mentions for Citizens and 0 mentions for Bgin Blockchain. Bgin Blockchain's average media sentiment score of 1.43 beat Citizens' score of 0.67 indicating that Bgin Blockchain is being referred to more favorably in the media.

Company Overall Sentiment
Bgin Blockchain Positive
Citizens Positive

Citizens has a net margin of 7.00% compared to Bgin Blockchain's net margin of 0.00%. Citizens' return on equity of 11.28% beat Bgin Blockchain's return on equity.

Company Net Margins Return on Equity Return on Assets
Bgin BlockchainN/A N/A N/A
Citizens 7.00%11.28%0.37%

Citizens has a consensus price target of $24.00, suggesting a potential upside of 149.22%. Given Citizens' stronger consensus rating and higher probable upside, analysts plainly believe Citizens is more favorable than Bgin Blockchain.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bgin Blockchain
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)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

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

Citizens has lower revenue, but higher earnings than Bgin Blockchain.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bgin Blockchain$67.40M3.21-$176.86MN/AN/A
Citizens$40.95M1.34$5.49M$1.456.64

Summary

Citizens beats Bgin Blockchain on 10 of the 13 factors compared between the two stocks.

How does Citizens compare to Consumer Portfolio Services?

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

Citizens has a net margin of 7.00% compared to Consumer Portfolio Services' net margin of 4.58%. Citizens' return on equity of 11.28% beat Consumer Portfolio Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
Consumer Portfolio Services 4.58%6.54%0.52%

9.7% of Citizens shares are owned by institutional investors. Comparatively, 47.6% of Consumer Portfolio Services shares are owned by institutional investors. 8.9% of Citizens shares are owned by company insiders. Comparatively, 63.7% of Consumer Portfolio Services shares are owned by company 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.

Citizens presently has a consensus price target of $24.00, indicating a potential upside of 149.22%. Given Citizens' stronger consensus rating and higher possible upside, equities analysts plainly believe Citizens is more favorable than Consumer Portfolio Services.

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
Consumer Portfolio Services
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

Citizens has a beta of 0.06, suggesting that its share price is 94% less volatile than the broader market. Comparatively, Consumer Portfolio Services has a beta of 1.13, suggesting that its share price is 13% more volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.34$5.49M$1.456.64
Consumer Portfolio Services$434.47M0.48$19.33M$0.8511.32

In the previous week, Citizens had 1 more articles in the media than Consumer Portfolio Services. MarketBeat recorded 1 mentions for Citizens and 0 mentions for Consumer Portfolio Services. Consumer Portfolio Services' average media sentiment score of 1.31 beat Citizens' score of 0.67 indicating that Consumer Portfolio Services is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Positive
Consumer Portfolio Services Positive

Summary

Citizens and Consumer Portfolio Services tied by winning 8 of the 16 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
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By 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.

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.
Skip Chart

CIZN vs. The Competition

MetricCitizensState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$54.83M$985.96M$14.07B$12.41B
Dividend YieldN/A26.66%5.69%6.14%
P/E Ratio9.837.2120.6824.94
Price / Sales1.342.88131.5493.78
Price / Cash9.257.6719.2959.26
Price / Book1.260.922.266.46
Net Income$5.49M$1.47B$1.14B$336.81M
7 Day Performance-2.08%-0.79%1.47%2.55%
1 Month Performance1.37%0.18%1.99%0.32%
1 Year Performance13.96%4.17%12.66%25.76%

Citizens Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
3.0576 of 5 stars
$9.63
flat
$24.00
+149.2%
+14.1%$54.83M$40.95M9.83250
CZWI
Citizens Community Bancorp
4.6354 of 5 stars
$22.17
-3.2%
N/A+71.9%$220.85M$98.77M14.49220
OPBK
OP Bancorp
3.6753 of 5 stars
$15.05
+2.5%
$16.50
+9.6%
+12.8%$218.80M$166.66M8.27190
FCAP
First Capital
1.417 of 5 stars
$65.79
+0.9%
N/A+48.4%$218.13M$65.31M12.58220
BGIN
Bgin Blockchain
0.9439 of 5 stars
$2.05
+10.6%
N/AN/A$209.30M$67.40MN/A101

Related Companies and Tools


This page (NASDAQ:CIZN) was last updated on 7/2/2026 by MarketBeat.com Staff.
From Our Partners