Citizens (CIZN) Competitors $8.48 +0.03 (+0.36%) As of 10:48 AM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesSEC FilingsShort InterestTrendsBuy This Stock CIZN vs. HWBK, WNEB, FUNC, FINW, SWKH, BETR, FCCO, BKKT, FXNC, and CBNAShould you be buying Citizens stock or one of its competitors? The main competitors of Citizens include Hawthorn Bancshares (HWBK), Western New England Bancorp (WNEB), First United (FUNC), FinWise Bancorp (FINW), SWK (SWKH), Better Home & Finance (BETR), First Community (FCCO), Bakkt (BKKT), First National (FXNC), and Chain Bridge Bancorp (CBNA). These companies are all part of the "banking" industry. Citizens vs. Its Competitors Hawthorn Bancshares Western New England Bancorp First United FinWise Bancorp SWK Better Home & Finance First Community Bakkt First National Chain Bridge Bancorp Hawthorn Bancshares (NASDAQ:HWBK) 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 institutional ownership, earnings, risk, dividends, media sentiment, valuation, analyst recommendations and profitability. Is HWBK or CIZN a better dividend stock? Hawthorn Bancshares pays an annual dividend of $0.80 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%. Hawthorn Bancshares pays out 29.1% of its earnings in the form of a dividend. Citizens pays out 10.0% 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. Hawthorn Bancshares has increased its dividend for 5 consecutive years and Citizens has increased its dividend for 1 consecutive years. Hawthorn Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Do institutionals & insiders hold more shares of HWBK or CIZN? 30.7% of Hawthorn Bancshares shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 22.7% of Hawthorn Bancshares 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 stock is poised for long-term growth. Which has higher earnings and valuation, HWBK or CIZN? Hawthorn Bancshares has higher revenue and earnings than Citizens. Citizens is trading at a lower price-to-earnings ratio than Hawthorn Bancshares, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioHawthorn Bancshares$109.67M1.91$18.26M$2.7510.97Citizens$40.95M1.17$5.49M$0.8010.60 Do analysts rate HWBK or CIZN? Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Hawthorn Bancshares 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Citizens 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Does the media favor HWBK or CIZN? In the previous week, Hawthorn Bancshares had 3 more articles in the media than Citizens. MarketBeat recorded 4 mentions for Hawthorn Bancshares and 1 mentions for Citizens. Citizens' average media sentiment score of 1.18 beat Hawthorn Bancshares' score of -0.04 indicating that Citizens is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Hawthorn Bancshares 0 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Citizens 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has more risk & volatility, HWBK or CIZN? Hawthorn Bancshares has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, Citizens has a beta of -0.05, indicating that its share price is 105% less volatile than the S&P 500. Is HWBK or CIZN more profitable? Hawthorn Bancshares has a net margin of 17.52% compared to Citizens' net margin of 7.00%. Hawthorn Bancshares' return on equity of 13.06% beat Citizens' return on equity.Company Net Margins Return on Equity Return on Assets Hawthorn Bancshares17.52% 13.06% 1.04% Citizens 7.00%11.28%0.37% SummaryHawthorn Bancshares beats Citizens on 14 of the 17 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. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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 Export to ExcelMetricCitizensState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$47.95M$1.33B$12.05B$8.95BDividend Yield0.94%8.12%5.57%4.08%P/E Ratio8.6515.6420.0620.03Price / Sales1.173.4325.59120.16Price / Cash9.2510.4921.5057.47Price / Book1.111.062.285.67Net Income$5.49M$648.53M$1.00B$248.47M7 Day Performance1.56%3.12%2.31%2.90%1 Month Performance-0.59%4.98%4.37%5.75%1 Year Performance9.28%16.95%541.13%21.36% Citizens Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CIZNCitizens0.6978 of 5 stars$8.48+0.4%N/A+7.6%$47.95M$40.95M8.65250Positive NewsAnalyst ForecastHWBKHawthorn Bancshares1.7924 of 5 stars$29.14+5.8%N/A+47.6%$190.89M$109.67M10.60310High Trading VolumeWNEBWestern New England Bancorp2.7852 of 5 stars$9.23+0.3%$8.50-7.9%+40.0%$190.54M$122.74M17.42360FUNCFirst United3.7779 of 5 stars$31.01+6.1%$42.00+35.4%+62.0%$189.31M$111.40M8.91300High Trading VolumeFINWFinWise Bancorp3.9432 of 5 stars$15.01+5.3%$20.88+39.1%+52.5%$188.44M$96.84M16.32120Positive NewsSWKHSWK1.9493 of 5 stars$14.74-3.2%$18.00+22.1%-9.4%$186.87M$44.99M9.9640BETRBetter Home & Finance1.2461 of 5 stars$12.39+2.2%N/A+2,701.8%$184.28M$108.49M-0.931,250Positive NewsGap UpFCCOFirst Community4.3788 of 5 stars$24.38+3.0%$29.67+21.7%+53.0%$181.90M$103.43M12.31250Positive NewsBKKTBakkt0.3087 of 5 stars$13.95+9.2%N/A+4.3%$177.79M$3.49B-2.82760Gap DownFXNCFirst National1.947 of 5 stars$19.47+2.6%$24.75+27.1%+35.4%$170.48M$92.70M23.46210News CoverageHigh Trading VolumeCBNAChain Bridge BancorpN/A$25.88-0.3%$29.67+14.6%N/A$170.35M$56.65M0.0084 Related Companies and Tools Related Companies Hawthorn Bancshares Competitors Western New England Bancorp Competitors First United Competitors FinWise Bancorp Competitors SWK Competitors Better Home & Finance Competitors First Community Competitors Bakkt Competitors First National Competitors Chain Bridge Bancorp Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CIZN) was last updated on 7/3/2025 by MarketBeat.com Staff From Our PartnersThis Signal Only Flashes Once Every 4 Years – And It Just TriggeredThis same signal has appeared twice before in the past 8 years — both times, it kicked off major moves in cryp...Crypto Swap Profits | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredTrump’s New Order Could Boost Social Security Benefits by 400%If you collect—or plan to collect—Social Security, you need to see this. 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