Citizens (CIZN) Competitors $7.25 +0.03 (+0.42%) As of 03:40 PM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesSEC FilingsShort InterestTrendsBuy This Stock CIZN vs. MRBK, BVFL, OVBC, MNSB, CBFV, PEBK, UBFO, HNVR, BKKT, and CZWIShould you be buying Citizens stock or one of its competitors? The main competitors of Citizens include Meridian Bank (MRBK), BV Financial (BVFL), Ohio Valley Banc (OVBC), MainStreet Bank (MNSB), CB Financial Services (CBFV), Peoples Bancorp of North Carolina (PEBK), United Security Bancshares (UBFO), Hanover Bancorp (HNVR), Bakkt (BKKT), and Citizens Community Bancorp (CZWI). These companies are all part of the "banking" industry. Citizens vs. Its Competitors Meridian Bank BV Financial Ohio Valley Banc MainStreet Bank CB Financial Services Peoples Bancorp of North Carolina United Security Bancshares Hanover Bancorp Bakkt Citizens Community Bancorp Citizens (NASDAQ:CIZN) and Meridian Bank (NASDAQ:MRBK) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, media sentiment, valuation, profitability, risk, dividends, earnings and analyst recommendations. Is CIZN or MRBK a better dividend stock? Citizens pays an annual dividend of $0.08 per share and has a dividend yield of 1.1%. Meridian Bank pays an annual dividend of $0.50 per share and has a dividend yield of 3.4%. Citizens pays out 8.4% of its earnings in the form of a dividend. Meridian Bank pays out 31.1% 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. Do analysts recommend CIZN or MRBK? Citizens presently has a consensus target price of $26.00, indicating a potential upside of 258.62%. Meridian Bank has a consensus target price of $17.50, indicating a potential upside of 17.77%. Given Citizens' stronger consensus rating and higher probable upside, analysts clearly 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) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00Meridian Bank 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.50 Do institutionals & insiders hold more shares of CIZN or MRBK? 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, 14.4% of Meridian Bank shares are owned 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. Which has more volatility & risk, CIZN or MRBK? Citizens has a beta of -0.02, meaning that its stock price is 102% less volatile than the S&P 500. Comparatively, Meridian Bank has a beta of 0.71, meaning that its stock price is 29% less volatile than the S&P 500. Does the media favor CIZN or MRBK? 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 1.56 beat Citizens' score of 0.00 indicating that Meridian Bank is being referred to more favorably in the news media. Company Overall Sentiment Citizens Neutral Meridian Bank Very Positive Is CIZN or MRBK more profitable? Meridian Bank has a net margin of 9.01% compared to Citizens' net margin of 7.00%. Citizens' return on equity of 11.28% beat Meridian Bank's return on equity.Company Net Margins Return on Equity Return on Assets Citizens7.00% 11.28% 0.37% Meridian Bank 9.01%10.62%0.75% Which has stronger valuation and earnings, CIZN or MRBK? 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 RatioCitizens$40.95M1.00$5.49M$0.957.63Meridian Bank$197.37M0.85$16.35M$1.619.23 SummaryMeridian Bank beats Citizens on 12 of the 18 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$40.99M$1.45B$12.37B$9.80BDividend Yield1.11%8.92%5.56%4.08%P/E Ratio7.409.5119.5625.12Price / Sales1.003.3425.69108.85Price / Cash9.2510.4721.8259.16Price / Book0.951.032.296.24Net Income$5.49M$819.47M$1.01B$265.56M7 Day PerformanceN/A0.58%-0.24%0.90%1 Month Performance-8.81%-0.65%0.43%1.88%1 Year Performance-17.14%3.33%539.61%20.09% Citizens Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CIZNCitizens3.3195 of 5 stars$7.25+0.4%$26.00+258.6%N/A$40.99M$40.95M7.40250Positive NewsMRBKMeridian Bank4.0277 of 5 stars$14.23-2.3%$17.50+23.0%+40.7%$164.31M$197.37M8.84410Positive NewsBVFLBV Financial0.9383 of 5 stars$15.46+0.4%N/A+17.1%$162.14M$49.20M15.01112OVBCOhio Valley Banc2.5085 of 5 stars$35.64+4.0%N/A+50.4%$161.40M$88.93M12.12260Positive NewsMNSBMainStreet Bank3.5553 of 5 stars$20.42+0.9%N/A+27.5%$155.93M$137.87M-13.99170News CoveragePositive NewsCBFVCB Financial Services4.4444 of 5 stars$31.18+1.3%$35.50+13.9%+28.0%$154.62M$81.62M14.50200Positive NewsPEBKPeoples Bancorp of North CarolinaN/A$28.29+0.1%N/A+0.3%$154.23M$108.45M9.10310UBFOUnited Security Bancshares2.6617 of 5 stars$8.72-0.7%N/A+13.2%$153.44M$65.46M13.21120News CoveragePositive NewsHNVRHanover Bancorp4.0724 of 5 stars$21.59+2.5%$23.75+10.0%+21.9%$152.31M$148.36M14.11160BKKTBakkt0.1148 of 5 stars$9.86-8.8%N/A-33.1%$150.38M$3.49B-2.00760Analyst DowngradeCZWICitizens Community BancorpN/A$15.10+0.5%N/A+22.6%$148.25M$99.72M12.18220Positive News Related Companies and Tools Related Companies Meridian Bank Competitors BV Financial Competitors Ohio Valley Banc Competitors MainStreet Bank Competitors CB Financial Services Competitors Peoples Bancorp of North Carolina Competitors United Security Bancshares Competitors Hanover Bancorp Competitors Bakkt Competitors Citizens Community 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 8/19/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredThis is my Christian duty“This land I will give to you…” — a 4,000-year-old line from Genesis may hold the key to unlocking a $150 tril...Paradigm Press | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. 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