CZFS vs. COFS, TSBK, CBAN, MFSF, PDLB, CNOB, AMAL, CTBI, FMBH, and PFC
Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include ChoiceOne Financial Services (COFS), Timberland Bancorp (TSBK), Colony Bankcorp (CBAN), MutualFirst Financial (MFSF), Ponce Financial Group (PDLB), ConnectOne Bancorp (CNOB), Amalgamated Financial (AMAL), Community Trust Bancorp (CTBI), First Mid Bancshares (FMBH), and Premier Financial (PFC). These companies are all part of the "finance" sector.
Citizens Financial Services (NASDAQ:CZFS) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their media sentiment, analyst recommendations, profitability, earnings, dividends, valuation, risk, institutional ownership and community ranking.
Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.7%. ChoiceOne Financial Services pays an annual dividend of $1.08 per share and has a dividend yield of 4.4%. Citizens Financial Services pays out 53.1% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 38.4% 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 Financial Services has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, ChoiceOne Financial Services has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500.
Citizens Financial Services currently has a consensus price target of $53.00, suggesting a potential upside of 26.34%. ChoiceOne Financial Services has a consensus price target of $24.00, suggesting a potential downside of 2.76%. Given Citizens Financial Services' stronger consensus rating and higher possible upside, research analysts plainly believe Citizens Financial Services is more favorable than ChoiceOne Financial Services.
Citizens Financial Services received 18 more outperform votes than ChoiceOne Financial Services when rated by MarketBeat users. Likewise, 69.23% of users gave Citizens Financial Services an outperform vote while only 0.00% of users gave ChoiceOne Financial Services an outperform vote.
22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 6.3% of Citizens Financial Services shares are held by company insiders. Comparatively, 7.9% of ChoiceOne Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
ChoiceOne Financial Services has lower revenue, but higher earnings than Citizens Financial Services. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks.
In the previous week, Citizens Financial Services and Citizens Financial Services both had 4 articles in the media. ChoiceOne Financial Services' average media sentiment score of 1.07 beat Citizens Financial Services' score of 0.51 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media.
ChoiceOne Financial Services has a net margin of 17.53% compared to Citizens Financial Services' net margin of 11.63%. ChoiceOne Financial Services' return on equity of 11.15% beat Citizens Financial Services' return on equity.
Summary
Citizens Financial Services beats ChoiceOne Financial Services on 11 of the 19 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZFS and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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.
Citizens Financial Services Competitors List
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