Citizens (CIZN) Competitors

$9.32 -0.08 (-0.85%)

As of 03:49 PM Eastern

CIZN vs. INBK, CPSS, MRBK, 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 First Internet Bancorp (INBK), Consumer Portfolio Services (CPSS), Meridian Bank (MRBK), OP Bancorp (OPBK), and Citizens Community Bancorp (CZWI). These companies are all part of the "banking" industry.

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

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%

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Internet Bancorp	$322.87M	0.64	-$35.17M	-$3.85	N/A
Citizens	$40.95M	1.30	$5.49M	$1.45	6.43

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 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 will outperform the market over the long term.

First Internet Bancorp currently has a consensus price target of $25.67, suggesting a potential upside of 8.53%. Citizens has a consensus price target of $24.00, suggesting a potential upside of 157.51%. Given Citizens' stronger consensus rating and higher possible upside, analysts plainly 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

In the previous week, First Internet Bancorp had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for First Internet Bancorp and 0 mentions for Citizens. First Internet Bancorp's average media sentiment score of 1.52 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	Very Positive
Citizens	Neutral

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

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. 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 Consumer Portfolio Services?

Consumer Portfolio Services (NASDAQ:CPSS) 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 valuation, profitability, institutional ownership, risk, earnings, dividends, media sentiment and analyst recommendations.

Citizens has a consensus target price of $24.00, suggesting a potential upside of 157.51%. Given Citizens' stronger consensus rating and higher possible upside, analysts clearly believe Citizens is more favorable than Consumer Portfolio Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Consumer Portfolio Services	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

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Consumer Portfolio Services	$202.76M	1.10	$19.33M	$0.85	12.12
Citizens	$40.95M	1.30	$5.49M	$1.45	6.43

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
Consumer Portfolio Services	4.58%	6.54%	0.52%
Citizens	7.00%	11.28%	0.37%

47.6% of Consumer Portfolio Services shares are owned by institutional investors. Comparatively, 9.7% of Citizens shares are owned by institutional investors. 63.7% of Consumer Portfolio Services shares are owned by insiders. Comparatively, 8.9% of Citizens shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, Consumer Portfolio Services had 1 more articles in the media than Citizens. MarketBeat recorded 1 mentions for Consumer Portfolio Services and 0 mentions for Citizens. Consumer Portfolio Services' average media sentiment score of 0.00 equaled Citizens'average media sentiment score.

Company	Overall Sentiment
Consumer Portfolio Services	Neutral
Citizens	Neutral

Consumer Portfolio Services has a beta of 1.11, meaning that its stock price is 11% more 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.

Summary

Consumer Portfolio Services beats Citizens on 8 of the 15 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 superior stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, risk, media sentiment, dividends, institutional ownership and profitability.

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 Bank	11.68%	12.61%	0.95%
Citizens	7.00%	11.28%	0.37%

Meridian Bank currently has a consensus target price of $22.00, indicating a potential upside of 27.76%. Citizens has a consensus target price of $24.00, indicating a potential upside of 157.51%. 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

In the previous week, Meridian Bank had 5 more articles in the media than Citizens. MarketBeat recorded 5 mentions for Meridian Bank and 0 mentions for Citizens. Meridian Bank's average media sentiment score of 0.65 beat Citizens' score of 0.00 indicating that Meridian Bank is being referred to more favorably in the media.

Company	Overall Sentiment
Meridian Bank	Positive
Citizens	Neutral

Meridian Bank pays an annual dividend of $0.56 per share and has a dividend yield of 3.3%. 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 0.69, suggesting that its stock price is 31% 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.

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

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Meridian Bank	$205.49M	1.00	$21.84M	$2.07	8.32
Citizens	$40.95M	1.30	$5.49M	$1.45	6.43

Summary

Meridian Bank beats Citizens on 12 of the 18 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 companies based on the strength of their media sentiment, institutional ownership, analyst recommendations, risk, profitability, valuation, earnings and dividends.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OP Bancorp	$166.66M	1.24	$25.64M	$1.82	7.64
Citizens	$40.95M	1.30	$5.49M	$1.45	6.43

OP Bancorp presently has a consensus price target of $16.50, indicating a potential upside of 18.71%. Citizens has a consensus price target of $24.00, indicating a potential upside of 157.51%. Given Citizens' stronger consensus rating and higher probable 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)	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 pays an annual dividend of $0.56 per share and has a dividend yield of 4.0%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. 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 increased its dividend for 1 consecutive years.

OP Bancorp has a net margin of 16.12% compared to Citizens' net margin of 7.00%. OP Bancorp's return on equity of 12.36% beat Citizens' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OP Bancorp	16.12%	12.36%	1.05%
Citizens	7.00%	11.28%	0.37%

OP Bancorp has a beta of 0.62, suggesting that its stock price is 38% 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.

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 insiders. Comparatively, 8.9% of Citizens 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.

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 0.00 equaled Citizens'average media sentiment score.

Company	Overall Sentiment
OP Bancorp	Neutral
Citizens	Neutral

Summary

OP Bancorp beats Citizens on 11 of the 18 factors compared between the two stocks.

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

Citizens has a consensus price target of $24.00, indicating a potential upside of 157.51%. Given Citizens' stronger consensus rating and 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)	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

Citizens Community Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.1%. Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 0.9%. 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 raised its dividend for 6 consecutive years and Citizens has raised 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.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Community Bancorp	$64.22M	3.05	$14.42M	$1.53	13.27
Citizens	$40.95M	1.30	$5.49M	$1.45	6.43

Citizens Community Bancorp has a beta of 0.54, suggesting that its stock price is 46% 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.

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 Bancorp	15.02%	8.00%	0.85%
Citizens	7.00%	11.28%	0.37%

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

In the previous week, Citizens Community Bancorp had 7 more articles in the media than Citizens. MarketBeat recorded 7 mentions for Citizens Community Bancorp and 0 mentions for Citizens. Citizens Community Bancorp's average media sentiment score of 0.55 beat Citizens' score of 0.00 indicating that Citizens Community Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens Community Bancorp	Positive
Citizens	Neutral

Summary

Citizens Community Bancorp beats Citizens on 13 of the 19 factors compared between the two stocks.

Get Citizens News Delivered to You Automatically

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.

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.

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.

CIZN vs. The Competition

Export

Metric	Citizens	State commercial banks Industry	Finance Sector	NASDAQ Exchange
Market Cap	$53.07M	$907.62M	$13.35B	$12.10B
Dividend Yield	N/A	27.43%	5.86%	5.32%
P/E Ratio	9.51	6.99	23.72	25.11
Price / Sales	1.30	2.78	158.26	91.32
Price / Cash	9.25	7.67	19.91	37.30
Price / Book	1.22	0.86	2.17	6.60
Net Income	$5.49M	$1.47B	$1.13B	$335.71M
7 Day Performance	-1.89%	0.63%	-1.01%	-2.03%
1 Month Performance	3.88%	-1.64%	-1.57%	-1.90%
1 Year Performance	9.65%	5.95%	8.85%	27.36%

Citizens Competitors List

Export

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CIZN Citizens	N/A	$9.32 -0.9%	$24.00 +157.5%	+10.6%	$53.07M	$40.95M	9.51	250	High Trading Volume
INBK First Internet Bancorp	3.9892 of 5 stars	$23.94 -2.2%	$25.67 +7.2%	-2.7%	$213.30M	$322.87M	N/A	290
CPSS Consumer Portfolio Services	1.0053 of 5 stars	$9.71 +0.8%	N/A	+15.8%	$208.96M	$434.47M	11.42	740
MRBK Meridian Bank	4.986 of 5 stars	$17.38 -0.9%	$22.00 +26.6%	+22.5%	$208.55M	$205.49M	8.40	410
OPBK OP Bancorp	4.3999 of 5 stars	$13.95 -0.4%	$16.50 +18.3%	+6.2%	$208.52M	$166.66M	7.66	190	Positive News Analyst Upgrade

Related Companies and Tools

Related Companies

Top 10 Stock Comparisons

This page (NASDAQ:CIZN) was last updated on 5/19/2026 by MarketBeat.com Staff.

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Citizens (CIZN) Competitors

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

How does Citizens compare to First Internet Bancorp?

Summary

How does Citizens compare to Consumer Portfolio Services?

Summary

How does Citizens compare to Meridian Bank?

Summary

How does Citizens compare to OP Bancorp?

Summary

How does Citizens compare to Citizens Community Bancorp?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CIZN vs. The Competition

Citizens Competitors List

Related Companies and Tools

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Citizens (CIZN) Competitors

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

How does Citizens compare to First Internet Bancorp?

Is INBK or CIZN more profitable?

Which has better valuation & earnings, INBK or CIZN?

Do institutionals & insiders have more ownership in INBK or CIZN?

Do analysts recommend INBK or CIZN?

Does the media refer more to INBK or CIZN?

Which has more risk and volatility, INBK or CIZN?

Is INBK or CIZN a better dividend stock?

Summary

How does Citizens compare to Consumer Portfolio Services?

Do analysts recommend CPSS or CIZN?

Which has higher valuation and earnings, CPSS or CIZN?

Is CPSS or CIZN more profitable?

Do institutionals & insiders hold more shares of CPSS or CIZN?

Does the media favor CPSS or CIZN?

Which has more risk & volatility, CPSS or CIZN?

Summary

How does Citizens compare to Meridian Bank?

Is MRBK or CIZN more profitable?

Do analysts recommend MRBK or CIZN?

Does the media refer more to MRBK or CIZN?

Is MRBK or CIZN a better dividend stock?

Which has more volatility and risk, MRBK or CIZN?

Do insiders and institutionals believe in MRBK or CIZN?

Which has stronger valuation & earnings, MRBK or CIZN?

Summary

How does Citizens compare to OP Bancorp?

Which has better earnings & valuation, OPBK or CIZN?

Do analysts prefer OPBK or CIZN?

Is OPBK or CIZN a better dividend stock?

Is OPBK or CIZN more profitable?

Which has more risk and volatility, OPBK or CIZN?

Do institutionals & insiders have more ownership in OPBK or CIZN?

Does the media favor OPBK or CIZN?

Summary

How does Citizens compare to Citizens Community Bancorp?

Do analysts prefer CZWI or CIZN?

Is CZWI or CIZN a better dividend stock?

Which has stronger valuation and earnings, CZWI or CIZN?

Which has more volatility and risk, CZWI or CIZN?

Is CZWI or CIZN more profitable?

Do insiders & institutionals believe in CZWI or CIZN?

Does the media favor CZWI or CIZN?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CIZN vs. The Competition

Citizens Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools