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Citizens (CIZN) Competitors

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$10.05 -0.39 (-3.76%)
As of 09/24/2026 03:51 PM Eastern

CIZN vs. MRBK, OPBK, CFBK, CMTV, and OVBC

Should you buy Citizens stock or one of its competitors? Citizens's main competitors and comparable companies include Meridian (MRBK), OP Bancorp (OPBK), CF Bankshares (CFBK), Community Bancorp (CMTV), and Ohio Valley Banc (OVBC). 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 Meridian?

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

Citizens has a beta of 0.04, suggesting that its stock price is 96% less volatile than the broader market. Comparatively, Meridian has a beta of 0.64, suggesting that its stock price is 36% less volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.40$5.49M$1.685.98
Meridian$205.49M1.11$21.84M$2.069.29

Meridian has a net margin of 11.89% compared to Citizens' net margin of 7.00%. Meridian'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 11.89%12.29%0.95%

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Meridian pays an annual dividend of $0.56 per share and has a dividend yield of 2.9%. Citizens pays out 4.8% of its earnings in the form of a dividend. Meridian 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.

Citizens currently has a consensus price target of $14.17, indicating a potential upside of 40.96%. Meridian has a consensus price target of $22.00, indicating a potential upside of 14.94%. Given Citizens' stronger consensus rating and higher possible upside, equities research analysts plainly believe Citizens is more favorable than Meridian.

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

In the previous week, Meridian had 2 more articles in the media than Citizens. MarketBeat recorded 3 mentions for Meridian and 1 mentions for Citizens. Citizens' average media sentiment score of 0.75 beat Meridian's score of 0.61 indicating that Citizens is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Meridian
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

9.7% of Citizens shares are held by institutional investors. Comparatively, 58.6% of Meridian shares are held by institutional investors. 8.9% of Citizens shares are held by insiders. Comparatively, 14.1% of Meridian shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Meridian beats Citizens on 11 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 better stock? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, analyst recommendations, media sentiment, institutional ownership, earnings and risk.

OP Bancorp presently has a consensus price target of $17.75, suggesting a potential upside of 17.47%. Citizens has a consensus price target of $14.17, suggesting a potential upside of 40.96%. Given Citizens' higher possible 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)
4 Buy rating(s)
0 Strong Buy rating(s)
3.00

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 0.04, meaning that its stock price is 96% less volatile than the broader market.

In the previous week, OP Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 2 mentions for OP Bancorp and 1 mentions for Citizens. OP Bancorp's average media sentiment score of 0.76 beat Citizens' score of 0.75 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)
0 Positive mention(s)
1 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

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 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$166.66M1.35$25.64M$1.937.83
Citizens$40.95M1.40$5.49M$1.685.98

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 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 raised 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 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 company will outperform the market over the long term.

Summary

OP 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 stock? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, media sentiment, earnings, profitability and institutional ownership.

Citizens presently has a consensus target price of $14.17, suggesting a potential upside of 40.96%. CF Bankshares has a consensus target price of $40.00, suggesting a potential upside of 17.27%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly 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)
4 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

Citizens has a beta of 0.04, suggesting that its stock price is 96% less volatile than the broader market. Comparatively, CF Bankshares has a beta of 0.38, suggesting that its stock price is 62% less volatile than the broader market.

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. CF Bankshares pays an annual dividend of $0.36 per share and has a dividend yield of 1.1%. 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.

In the previous week, Citizens and Citizens both had 1 articles in the media. CF Bankshares' average media sentiment score of 1.82 beat Citizens' score of 0.75 indicating that CF Bankshares is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Positive
CF Bankshares Very Positive

9.7% of Citizens shares are owned by institutional investors. Comparatively, 41.1% of CF Bankshares shares are owned by institutional investors. 8.9% of Citizens shares are owned by insiders. Comparatively, 17.7% of CF Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

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$40.95M1.40$5.49M$1.685.98
CF Bankshares$125.92M1.74$17.54M$2.9111.72

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%

Summary

CF Bankshares beats Citizens on 13 of the 18 factors compared between the two stocks.

How does Citizens compare to Community Bancorp?

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

9.7% of Citizens shares are owned by institutional investors. 8.9% of Citizens shares are owned by insiders. Comparatively, 6.6% of Community Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

In the previous week, Community Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 2 mentions for Community Bancorp and 1 mentions for Citizens. Community Bancorp's average media sentiment score of 2.00 beat Citizens' score of 0.75 indicating that Community Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Positive
Community Bancorp Very Positive

Citizens has a beta of 0.04, indicating that its stock price is 96% less volatile than the broader market. Comparatively, Community Bancorp has a beta of 0.39, indicating that its stock price is 61% less volatile than the broader market.

Citizens presently has a consensus price target of $14.17, indicating a potential upside of 40.96%. Given Citizens' higher possible upside, research analysts plainly believe Citizens is more favorable than Community Bancorp.

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

Community Bancorp has a net margin of 25.65% compared to Citizens' net margin of 7.00%. Community Bancorp's return on equity of 15.97% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
Community Bancorp 25.65%15.97%1.50%

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Community Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.5%. Citizens pays out 4.8% of its earnings in the form of a dividend. Community Bancorp pays out 30.4% 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.40$5.49M$1.685.98
Community Bancorp$68.79M3.29$16.97M$3.2912.30

Summary

Community Bancorp beats Citizens on 12 of the 18 factors compared between the two stocks.

How does Citizens compare to Ohio Valley Banc?

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

Citizens currently has a consensus price target of $14.17, indicating a potential upside of 40.96%. Given Citizens' higher possible upside, equities analysts clearly believe Citizens is more favorable than Ohio Valley Banc.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens
0 Sell rating(s)
0 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
3.00
Ohio Valley Banc
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Citizens and Citizens both had 1 articles in the media. Citizens' average media sentiment score of 0.75 beat Ohio Valley Banc's score of 0.61 indicating that Citizens is being referred to more favorably in the media.

Company Overall Sentiment
Citizens Positive
Ohio Valley Banc Positive

9.7% of Citizens shares are owned by institutional investors. Comparatively, 22.1% of Ohio Valley Banc shares are owned by institutional investors. 8.9% of Citizens shares are owned by company insiders. Comparatively, 7.2% of Ohio Valley Banc shares are owned 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.

Ohio Valley Banc has a net margin of 14.31% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat Ohio Valley Banc's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
Ohio Valley Banc 14.31%8.37%0.88%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.40$5.49M$1.685.98
Ohio Valley Banc$94.21M2.21$15.60M$3.0114.69

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.8%. Ohio Valley Banc pays an annual dividend of $1.00 per share and has a dividend yield of 2.3%. Citizens pays out 4.8% of its earnings in the form of a dividend. Ohio Valley Banc pays out 33.2% 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 increased its dividend for 1 consecutive years and Ohio Valley Banc has increased its dividend for 3 consecutive years. Ohio Valley Banc is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Citizens has a beta of 0.04, suggesting that its share price is 96% less volatile than the broader market. Comparatively, Ohio Valley Banc has a beta of 0.04, suggesting that its share price is 96% less volatile than the broader market.

Summary

Ohio Valley Banc beats Citizens on 10 of the 16 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$57.23M$23.43B$13.71B$13.29B
Dividend YieldN/A3.09%5.95%12.57%
P/E Ratio10.2626.8424.9525.76
Price / Sales1.409.27509.16106.29
Price / Cash9.2515.4446.1252.76
Price / Book1.321.352.706.34
Net Income$5.49M$2.58B$1.32B$360.00M
7 Day PerformanceN/A-1.00%-0.74%-0.16%
1 Month Performance-5.52%-0.94%-2.19%-4.08%
1 Year Performance51.13%21.79%9.05%5.97%

Citizens Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
3.5693 of 5 stars
$10.05
-3.8%
$14.17
+41.0%
+52.7%$57.23M$40.95M10.26250
MRBK
Meridian
4.002 of 5 stars
$19.14
-1.5%
$22.00
+14.9%
+19.4%$231.90M$205.49M9.29327
OPBK
OP Bancorp
4.3843 of 5 stars
$14.88
-3.2%
$17.75
+19.3%
+5.3%$229.51M$166.66M7.71249
CFBK
CF Bankshares
4.6595 of 5 stars
$33.91
-1.4%
$40.00
+18.0%
+40.4%$220.69M$125.92M11.65104
CMTV
Community Bancorp
2.6501 of 5 stars
$39.20
-2.6%
N/AN/A$219.56M$51.23M11.91134

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This page (NASDAQ:CIZN) was last updated on 9/25/2026 by MarketBeat.com Staff.
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