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Citizens (CIZN) Competitors

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$10.67 0.00 (0.00%)
As of 09/3/2026 03:58 PM Eastern

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

Should you buy Citizens stock or one of its competitors? Citizens's main competitors and comparable companies include Meridian Bank (MRBK), Community Bancorp (CMTV), OP Bancorp (OPBK), CF Bankshares (CFBK), and Eagle Financial Services (EFSI). 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 Bank?

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

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.

Citizens currently has a consensus price target of $16.83, indicating a potential upside of 57.76%. Meridian Bank has a consensus price target of $22.00, indicating a potential upside of 11.06%. Given Citizens' stronger consensus rating and higher possible upside, analysts plainly 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

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

In the previous week, Citizens' average media sentiment score of 0.00 equaled Meridian Bank'saverage media sentiment score.

Company Overall Sentiment
Citizens Neutral
Meridian Bank Neutral

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 owned by institutional investors. Comparatively, 58.6% of Meridian Bank shares are owned by institutional investors. 8.9% of Citizens shares are owned by insiders. Comparatively, 14.1% of Meridian Bank shares are owned 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.

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$40.95M1.48$5.49M$1.686.35
Meridian Bank$205.49M1.15$21.84M$2.069.62

Summary

Meridian Bank beats Citizens on 10 of the 16 factors compared between the two stocks.

How does Citizens compare to Community Bancorp?

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

Citizens has a consensus target price of $16.83, indicating a potential upside of 57.76%. Given Citizens' higher possible upside, analysts plainly believe Citizens is more favorable than Community Bancorp.

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

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
Community Bancorp$68.79M3.25$16.97M$3.2912.15
Citizens$40.95M1.48$5.49M$1.686.35

Community Bancorp has a beta of 0.39, meaning that its stock price is 61% 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, Community Bancorp had 2 more articles in the media than Citizens. MarketBeat recorded 2 mentions for Community Bancorp and 0 mentions for Citizens. Community Bancorp's average media sentiment score of 0.77 beat Citizens' score of 0.00 indicating that Community Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Community Bancorp Positive
Citizens Neutral

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

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
Community Bancorp25.65% 15.97% 1.50%
Citizens 7.00%11.28%0.37%

Community Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.5%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. Community Bancorp pays out 30.4% 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.

Summary

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

How does Citizens compare to OP Bancorp?

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

In the previous week, OP Bancorp had 4 more articles in the media than Citizens. MarketBeat recorded 4 mentions for OP Bancorp and 0 mentions for Citizens. OP Bancorp's average media sentiment score of 1.44 beat Citizens' score of 0.00 indicating that OP Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Neutral
OP Bancorp Positive

Citizens presently has a consensus price target of $16.83, indicating a potential upside of 57.76%. OP Bancorp has a consensus price target of $17.75, indicating a potential upside of 14.81%. Given Citizens' higher probable upside, equities analysts clearly believe Citizens is more favorable than OP Bancorp.

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
OP Bancorp
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.00

Citizens has a beta of 0.04, indicating that its stock price is 96% less volatile than the broader market. Comparatively, OP Bancorp has a beta of 0.6, indicating that its stock price is 40% less volatile than the broader market.

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. OP Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 3.6%. Citizens pays out 4.8% of its earnings in the form of a dividend. OP Bancorp pays out 29.0% 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. Citizens has raised its dividend for 1 consecutive years.

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
Citizens7.00% 11.28% 0.37%
OP Bancorp 16.87%12.59%1.08%

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

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
Citizens$40.95M1.48$5.49M$1.686.35
OP Bancorp$166.66M1.38$25.64M$1.938.01

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 contrast the two companies based on the strength of their dividends, valuation, risk, institutional ownership, analyst recommendations, media sentiment, earnings and profitability.

Citizens currently has a consensus target price of $16.83, indicating a potential upside of 57.76%. CF Bankshares has a consensus target price of $40.00, indicating a potential upside of 12.04%. Given Citizens' stronger consensus rating and higher possible upside, equities research 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

In the previous week, CF Bankshares had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for CF Bankshares and 0 mentions for Citizens. CF Bankshares' average media sentiment score of 1.56 beat Citizens' score of 0.00 indicating that CF Bankshares is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Neutral
CF Bankshares Very Positive

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.

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 company insiders. Comparatively, 17.7% of CF Bankshares 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.

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

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$40.95M1.48$5.49M$1.686.35
CF Bankshares$125.92M1.82$17.54M$2.9112.27

Summary

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

How does Citizens compare to Eagle Financial Services?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens$40.95M1.48$5.49M$1.686.35
Eagle Financial Services$105.89M2.14$8.21M$3.4612.11

In the previous week, Eagle Financial Services had 6 more articles in the media than Citizens. MarketBeat recorded 6 mentions for Eagle Financial Services and 0 mentions for Citizens. Eagle Financial Services' average media sentiment score of 0.90 beat Citizens' score of 0.00 indicating that Eagle Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Neutral
Eagle Financial Services Positive

Citizens currently has a consensus target price of $16.83, suggesting a potential upside of 57.76%. Eagle Financial Services has a consensus target price of $42.25, suggesting a potential upside of 0.84%. Given Citizens' stronger consensus rating and higher probable upside, equities research analysts clearly believe Citizens is more favorable than Eagle Financial 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
Eagle Financial Services
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.50

Eagle Financial Services has a net margin of 15.16% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat Eagle Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens7.00% 11.28% 0.37%
Eagle Financial Services 15.16%8.38%0.85%

Citizens has a beta of 0.04, meaning that its share price is 96% less volatile than the broader market. Comparatively, Eagle Financial Services has a beta of 0.23, meaning that its share price is 77% less volatile than the broader market.

9.7% of Citizens shares are held by institutional investors. Comparatively, 0.3% of Eagle Financial Services shares are held by institutional investors. 8.9% of Citizens shares are held by company insiders. Comparatively, 7.1% of Eagle Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.7%. Eagle Financial Services pays an annual dividend of $1.24 per share and has a dividend yield of 3.0%. Citizens pays out 4.8% of its earnings in the form of a dividend. Eagle Financial Services pays out 35.8% 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 and Eagle Financial Services has increased its dividend for 14 consecutive years. Eagle Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Eagle Financial Services beats Citizens on 13 of the 20 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$60.76M$24.24B$14.28B$12.92B
Dividend YieldN/A3.15%5.88%8.90%
P/E Ratio10.8927.3526.1725.42
Price / Sales1.489.49526.9395.00
Price / Cash9.2516.2039.5952.28
Price / Book1.401.392.136.17
Net Income$5.49M$2.58B$1.32B$349.50M
7 Day Performance1.72%1.39%0.24%-0.05%
1 Month Performance4.00%0.92%1.56%0.80%
1 Year Performance56.06%24.11%12.05%15.62%

Citizens Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
N/A$10.67
flat
$16.83
+57.8%
+59.3%$60.76M$40.95M10.89250
MRBK
Meridian Bank
3.6911 of 5 stars
$19.48
+2.1%
$22.00
+12.9%
+24.3%$227.49M$205.49M9.46410
CMTV
Community Bancorp
2.0545 of 5 stars
$41.17
+2.4%
N/AN/A$225.27M$68.79M12.51N/A
OPBK
OP Bancorp
4.5094 of 5 stars
$15.17
+1.2%
$17.75
+17.0%
+8.5%$223.84M$166.66M7.86190
CFBK
CF Bankshares
4.4451 of 5 stars
$35.06
+1.2%
$40.00
+14.1%
+44.1%$222.30M$125.92M12.05130

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This page (NASDAQ:CIZN) was last updated on 9/4/2026 by MarketBeat.com Staff.
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