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Citizens (CIZN) Competitors

Citizens logo
$9.25 -0.15 (-1.60%)
As of 10:57 AM Eastern

CIZN vs. EFSI, MRBK, INBK, OPBK, and CZWI

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 Eagle Financial Services (EFSI), Meridian Bank (MRBK), First Internet Bancorp (INBK), OP Bancorp (OPBK), and Citizens Community Bancorp (CZWI). These companies are all part of the "banking" industry.

How does Citizens compare to Eagle Financial Services?

Eagle Financial Services (NASDAQ:EFSI) 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 earnings, media sentiment, profitability, risk, analyst recommendations, dividends, institutional ownership and valuation.

In the previous week, Eagle Financial Services had 2 more articles in the media than Citizens. MarketBeat recorded 2 mentions for Eagle Financial Services and 0 mentions for Citizens. Eagle Financial Services' average media sentiment score of 1.45 beat Citizens' score of 0.00 indicating that Eagle Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Eagle Financial Services Positive
Citizens Neutral

Eagle Financial Services has a beta of 0.23, meaning that its stock price is 77% 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.

0.3% of Eagle Financial Services shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 7.1% of Eagle Financial Services 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.

Eagle Financial Services presently has a consensus target price of $42.25, indicating a potential upside of 0.69%. Citizens has a consensus target price of $22.00, indicating a potential upside of 137.84%. Given Citizens' stronger consensus rating and higher probable upside, analysts plainly believe Citizens is more favorable than Eagle Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Eagle Financial Services
1 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.60
Citizens
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00

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
Eagle Financial Services$105.89M2.14$8.21M$3.5211.92
Citizens$40.95M1.29$5.49M$1.456.38

Eagle Financial Services pays an annual dividend of $1.24 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%. Eagle Financial Services pays out 35.2% 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. Eagle Financial Services has increased its dividend for 14 consecutive years and Citizens has increased its dividend for 1 consecutive years. Eagle Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Eagle Financial Services has a net margin of 15.81% 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
Eagle Financial Services15.81% 10.17% 0.98%
Citizens 7.00%11.28%0.37%

Summary

Eagle Financial Services beats Citizens on 13 of the 20 factors compared between the two stocks.

How does Citizens compare to Meridian Bank?

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

Meridian Bank has a net margin of 11.68% compared to Citizens' net margin of 7.00%. Meridian Bank's return on equity of 12.61% beat Citizens' return on equity.

Company Net Margins Return on Equity Return on Assets
Meridian Bank11.68% 12.61% 0.95%
Citizens 7.00%11.28%0.37%

58.6% of Meridian Bank shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 14.1% of Meridian Bank 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, large money managers and endowments believe a company will outperform the market over the long term.

Meridian Bank pays an annual dividend of $0.56 per share and has a dividend yield of 2.9%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. Meridian Bank pays out 27.1% 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 increased its dividend for 1 consecutive years.

Meridian Bank has a beta of 0.67, suggesting that its share price is 33% 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.

In the previous week, Meridian Bank had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for Meridian Bank and 0 mentions for Citizens. Meridian Bank's average media sentiment score of 1.89 beat Citizens' score of 0.00 indicating that Meridian Bank is being referred to more favorably in the media.

Company Overall Sentiment
Meridian Bank Very Positive
Citizens Neutral

Meridian Bank presently has a consensus price target of $22.00, indicating a potential upside of 13.64%. Citizens has a consensus price target of $22.00, indicating a potential upside of 137.84%. Given Citizens' stronger consensus rating and higher probable upside, analysts plainly believe Citizens is more favorable than Meridian Bank.

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

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
Meridian Bank$205.49M1.12$21.84M$2.079.35
Citizens$40.95M1.29$5.49M$1.456.38

Summary

Meridian Bank beats Citizens on 12 of the 18 factors compared between the two stocks.

How does Citizens compare to First Internet Bancorp?

First Internet Bancorp (NASDAQ:INBK) 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 media sentiment, earnings, dividends, valuation, institutional ownership, profitability, risk and analyst recommendations.

Citizens has a net margin of 7.00% compared to First Internet Bancorp's net margin of -9.60%. Citizens' return on equity of 11.28% beat First Internet Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
First Internet Bancorp-9.60% -1.14% -0.07%
Citizens 7.00%11.28%0.37%

First Internet Bancorp presently has a consensus target price of $25.67, suggesting a potential upside of 1.01%. Citizens has a consensus target price of $22.00, suggesting a potential upside of 137.84%. Given Citizens' stronger consensus rating and higher probable upside, analysts clearly believe Citizens is more favorable than First Internet Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Internet Bancorp
1 Sell rating(s)
3 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

65.5% of First Internet Bancorp shares are held by institutional investors. Comparatively, 9.7% of Citizens shares are held by institutional investors. 6.2% of First Internet Bancorp shares are held by insiders. Comparatively, 8.9% of Citizens shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

First Internet Bancorp has a beta of 0.85, suggesting that its share price is 15% 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.

In the previous week, First Internet Bancorp had 2 more articles in the media than Citizens. MarketBeat recorded 2 mentions for First Internet Bancorp and 0 mentions for Citizens. First Internet Bancorp's average media sentiment score of 0.93 beat Citizens' score of 0.00 indicating that First Internet Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
First Internet Bancorp Positive
Citizens Neutral

Citizens has lower revenue, but higher earnings than First Internet Bancorp. First Internet Bancorp 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
First Internet Bancorp$322.87M0.69-$35.17M-$3.85N/A
Citizens$40.95M1.29$5.49M$1.456.38

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.9%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. First Internet Bancorp pays out -6.2% 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. First Internet Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Citizens beats First Internet Bancorp on 12 of the 19 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 stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, media sentiment, earnings, risk, institutional ownership and valuation.

9.7% of Citizens shares are owned by institutional investors. Comparatively, 53.6% of OP Bancorp shares are owned by institutional investors. 8.9% of Citizens shares are owned by insiders. Comparatively, 9.6% of OP Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Citizens currently has a consensus price target of $22.00, indicating a potential upside of 137.84%. OP Bancorp has a consensus price target of $16.50, indicating a potential upside of 15.87%. Given Citizens' stronger consensus rating and 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
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)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50

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
Citizens7.00% 11.28% 0.37%
OP Bancorp 16.12%12.20%1.04%

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$40.95M1.29$5.49M$1.456.38
OP Bancorp$166.66M1.27$25.64M$1.827.82

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. OP Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 3.9%. Citizens pays out 5.5% of its earnings in the form of a dividend. OP Bancorp pays out 30.8% 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.

In the previous week, OP Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for OP Bancorp and 0 mentions for Citizens. OP Bancorp's average media sentiment score of 1.89 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 Very Positive

Citizens has a beta of 0.06, meaning that its stock price is 94% less volatile than the broader market. Comparatively, OP Bancorp has a beta of 0.61, meaning that its stock price is 39% less volatile than the broader market.

Summary

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

How does Citizens compare to Citizens Community Bancorp?

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

9.7% of Citizens shares are held by institutional investors. Comparatively, 55.1% of Citizens Community Bancorp shares are held by institutional investors. 8.9% of Citizens shares are held by insiders. Comparatively, 4.1% of Citizens Community Bancorp shares are held by 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.

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
Citizens7.00% 11.28% 0.37%
Citizens Community Bancorp 15.02%8.00%0.85%

Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.1%. Citizens pays out 5.5% of its earnings in the form of a dividend. Citizens Community Bancorp pays out 27.5% 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 and Citizens Community Bancorp has raised its dividend for 6 consecutive years. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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$40.95M1.29$5.49M$1.456.38
Citizens Community Bancorp$98.77M1.99$14.42M$1.5313.33

In the previous week, Citizens Community Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for Citizens Community Bancorp and 0 mentions for Citizens. Citizens Community Bancorp's average media sentiment score of 1.89 beat Citizens' score of 0.00 indicating that Citizens Community Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Neutral
Citizens Community Bancorp Very Positive

Citizens currently has a consensus target price of $22.00, indicating a potential upside of 137.84%. Given Citizens' stronger consensus rating and higher possible upside, equities research analysts clearly believe Citizens is more favorable than Citizens Community 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
Citizens Community Bancorp
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50

Citizens has a beta of 0.06, indicating that its stock price is 94% less volatile than the broader market. Comparatively, Citizens Community Bancorp has a beta of 0.52, indicating that its stock price is 48% less volatile than the broader market.

Summary

Citizens Community Bancorp beats Citizens on 13 of the 19 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

MetricCitizensState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$52.67M$938.22M$13.54B$12.06B
Dividend YieldN/A27.45%5.80%5.55%
P/E Ratio9.447.0421.2222.06
Price / Sales1.292.80136.40105.22
Price / Cash9.257.6719.2456.09
Price / Book1.210.872.216.72
Net Income$5.49M$1.47B$1.13B$337.35M
7 Day Performance-2.63%0.33%0.75%-2.54%
1 Month Performance-2.63%-1.71%0.46%1.42%
1 Year Performance8.31%3.84%11.31%24.71%

Citizens Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CIZN
Citizens
N/A$9.25
-1.6%
$22.00
+137.8%
+10.1%$52.67M$40.95M9.44250
EFSI
Eagle Financial Services
4.6692 of 5 stars
$39.91
-0.3%
$42.25
+5.9%
+35.8%$216.66M$105.89M11.34230
MRBK
Meridian Bank
4.8854 of 5 stars
$17.88
-1.3%
$22.00
+23.0%
+46.6%$215.33M$205.49M8.64410
INBK
First Internet Bancorp
2.9694 of 5 stars
$23.02
-5.8%
$25.67
+11.5%
+6.0%$213.12M$322.87MN/A290
OPBK
OP Bancorp
4.3725 of 5 stars
$13.64
-3.4%
$16.50
+21.0%
+14.7%$210.31M$166.66M7.49190

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This page (NASDAQ:CIZN) was last updated on 6/9/2026 by MarketBeat.com Staff.
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