Citizens Financial Services (CZFS) Competitors $61.18 +0.61 (+1.01%) Closing price 04:00 PM EasternExtended Trading$60.98 -0.20 (-0.34%) As of 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CZFS vs. FSUN, BTBT, ATLC, CNOB, OSBC, OPFI, SBSI, FMBH, BHRB, and AMALShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include FirstSun Capital Bancorp (FSUN), Bit Digital (BTBT), Atlanticus (ATLC), ConnectOne Bancorp (CNOB), Old Second Bancorp (OSBC), OppFi (OPFI), Southside Bancshares (SBSI), First Mid Bancshares (FMBH), Burke & Herbert Financial Services (BHRB), and Amalgamated Financial (AMAL). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors FirstSun Capital Bancorp Bit Digital Atlanticus ConnectOne Bancorp Old Second Bancorp OppFi Southside Bancshares First Mid Bancshares Burke & Herbert Financial Services Amalgamated Financial Citizens Financial Services (NASDAQ:CZFS) and FirstSun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, profitability, dividends, risk and media sentiment. Which has stronger earnings & valuation, CZFS or FSUN? FirstSun Capital Bancorp has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$169.72M1.73$27.82M$6.639.23FirstSun Capital Bancorp$389.44M2.68$75.63M$3.1311.98 Does the media refer more to CZFS or FSUN? In the previous week, FirstSun Capital Bancorp had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 1 mentions for FirstSun Capital Bancorp and 0 mentions for Citizens Financial Services. FirstSun Capital Bancorp's average media sentiment score of 1.76 beat Citizens Financial Services' score of 0.92 indicating that FirstSun Capital Bancorp is being referred to more favorably in the news media. Company Overall Sentiment Citizens Financial Services Positive FirstSun Capital Bancorp Very Positive Is CZFS or FSUN more profitable? Citizens Financial Services has a net margin of 18.54% compared to FirstSun Capital Bancorp's net margin of 15.99%. Citizens Financial Services' return on equity of 10.36% beat FirstSun Capital Bancorp's return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services18.54% 10.36% 1.05% FirstSun Capital Bancorp 15.99%9.24%1.19% Do insiders & institutionals hold more shares of CZFS or FSUN? 22.5% of Citizens Financial Services shares are held by institutional investors. 6.1% of Citizens Financial Services shares are held by company insiders. Comparatively, 12.5% of FirstSun Capital Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth. Do analysts rate CZFS or FSUN? FirstSun Capital Bancorp has a consensus target price of $46.00, suggesting a potential upside of 22.70%. Given FirstSun Capital Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe FirstSun Capital Bancorp is more favorable than Citizens Financial Services.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Citizens Financial Services 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00FirstSun Capital Bancorp 0 Sell rating(s) 0 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 3.00 SummaryFirstSun Capital Bancorp beats Citizens Financial Services on 11 of the 15 factors compared between the two stocks. Get Citizens Financial Services News Delivered to You Automatically Sign up to receive the latest news and ratings for CZFS 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 CZFS 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 CZFS vs. The Competition Export to ExcelMetricCitizens Financial ServicesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$294.28M$914.21M$12.53B$9.72BDividend Yield3.27%3.07%5.47%4.10%P/E Ratio9.2316.5119.3325.84Price / Sales1.732.5827.05122.75Price / Cash10.1116.7119.1828.79Price / Book0.971.152.285.99Net Income$27.82M$53.90M$1.01B$265.29M7 Day Performance8.67%3.26%1.46%2.53%1 Month Performance5.48%3.51%1.25%0.93%1 Year Performance10.51%13.74%541.13%18.70% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services2.568 of 5 stars$61.18+1.0%N/A+9.4%$294.28M$169.72M9.23310FSUNFirstSun Capital Bancorp2.4192 of 5 stars$36.70+0.8%$46.00+25.3%-12.6%$1.01B$549.33M11.731,142Positive NewsBTBTBit Digital3.068 of 5 stars$2.94-2.3%$6.33+115.4%-24.8%$963.09M$108.05M-9.4810Gap DownATLCAtlanticus2.353 of 5 stars$63.29+3.2%$63.20-0.1%+87.5%$927.95M$1.31B11.12330Positive NewsDividend AnnouncementHigh Trading VolumeCNOBConnectOne Bancorp4.5483 of 5 stars$24.08+1.0%$30.25+25.6%+0.7%$916.74M$534.62M27.68520Positive NewsOSBCOld Second Bancorp3.3195 of 5 stars$17.61+1.3%$20.70+17.5%+11.3%$915.59M$341.72M9.62890News CoverageOPFIOppFi3.4613 of 5 stars$10.60+1.7%$13.63+28.5%+116.4%$909.73M$525.96M-8.09570Gap DownSBSISouthside BancsharesN/A$30.14+0.2%N/AN/A$904.81M$456.07M10.69810FMBHFirst Mid Bancshares2.2636 of 5 stars$37.71+0.4%$43.33+14.9%+0.5%$901.57M$330.72M10.711,198Positive NewsBHRBBurke & Herbert Financial Services2.424 of 5 stars$60.06+0.7%$71.67+19.3%-4.9%$896.24M$402.33M8.72850AMALAmalgamated Financial2.8898 of 5 stars$28.88+0.2%$33.00+14.3%-7.5%$867.44M$434.51M8.65380News Coverage Related Companies and Tools Related Companies FirstSun Capital Bancorp Competitors Bit Digital Competitors Atlanticus Competitors ConnectOne Bancorp Competitors Old Second Bancorp Competitors OppFi Competitors Southside Bancshares Competitors First Mid Bancshares Competitors Burke & Herbert Financial Services Competitors Amalgamated Financial 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:CZFS) was last updated on 8/25/2025 by MarketBeat.com Staff From Our PartnersBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. 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