Citizens Financial Services (CZFS) Competitors $66.18 +1.33 (+2.05%) (As of 12/20/2024 05:16 PM ET) Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends CZFS vs. FBMS, CCB, SII, FSUN, BFC, AMAL, BHRB, AMTB, CNOB, and PFCShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include First Bancshares (FBMS), Coastal Financial (CCB), Sprott (SII), Firstsun Capital Bancorp (FSUN), Bank First (BFC), Amalgamated Financial (AMAL), Burke & Herbert Financial Services (BHRB), Amerant Bancorp (AMTB), ConnectOne Bancorp (CNOB), and Premier Financial (PFC). These companies are all part of the "banking" industry. Citizens Financial Services vs. First Bancshares Coastal Financial Sprott Firstsun Capital Bancorp Bank First Amalgamated Financial Burke & Herbert Financial Services Amerant Bancorp ConnectOne Bancorp Premier Financial First Bancshares (NASDAQ:FBMS) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, community ranking, profitability, earnings, risk, media sentiment, institutional ownership and valuation. Which has more volatility and risk, FBMS or CZFS? First Bancshares has a beta of 0.93, suggesting that its stock price is 7% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.53, suggesting that its stock price is 47% less volatile than the S&P 500. Is FBMS or CZFS a better dividend stock? First Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.9%. Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 3.0%. First Bancshares pays out 45.2% of its earnings in the form of a dividend. Citizens Financial Services pays out 33.9% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio. Which has preferable valuation & earnings, FBMS or CZFS? First Bancshares has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than First Bancshares, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioFirst Bancshares$267.28M4.03$75.46M$2.2115.63Citizens Financial Services$99.89M3.15$17.81M$5.7911.43 Does the MarketBeat Community believe in FBMS or CZFS? First Bancshares received 215 more outperform votes than Citizens Financial Services when rated by MarketBeat users. However, 69.23% of users gave Citizens Financial Services an outperform vote while only 53.94% of users gave First Bancshares an outperform vote. CompanyUnderperformOutperformFirst BancsharesOutperform Votes23353.94% Underperform Votes19946.06% Citizens Financial ServicesOutperform Votes1869.23% Underperform Votes830.77% Does the media refer more to FBMS or CZFS? In the previous week, First Bancshares had 4 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for First Bancshares and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.95 beat First Bancshares' score of 0.87 indicating that Citizens Financial Services is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment First Bancshares 2 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Citizens Financial Services 1 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive Is FBMS or CZFS more profitable? First Bancshares has a net margin of 17.25% compared to Citizens Financial Services' net margin of 16.24%. Citizens Financial Services' return on equity of 9.86% beat First Bancshares' return on equity.Company Net Margins Return on Equity Return on Assets First Bancshares17.25% 8.19% 1.00% Citizens Financial Services 16.24%9.86%0.95% Do insiders & institutionals hold more shares of FBMS or CZFS? 69.9% of First Bancshares shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 3.5% of First Bancshares shares are held by insiders. Comparatively, 6.3% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth. Do analysts recommend FBMS or CZFS? First Bancshares presently has a consensus price target of $37.17, indicating a potential upside of 7.60%. Citizens Financial Services has a consensus price target of $53.00, indicating a potential downside of 19.92%. Given First Bancshares' higher probable upside, equities analysts plainly believe First Bancshares is more favorable than Citizens Financial Services.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score First Bancshares 0 Sell rating(s) 2 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.50Citizens Financial Services 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 SummaryFirst Bancshares beats Citizens Financial Services on 12 of the 20 factors compared between the two stocks. Ad Porter & CompanyAI breakthrough about to upend industryEveryone is talking about AI right now. The talk has been endless ever since ChatGPT was released to the market in late 2022. You might think it’s way too late to invest in AI. But here’s the thing.I urge you to watch it now. 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 {thisCompany.Symbol} 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 ServicesState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$308.67M$3.10B$11.26B$9.08BDividend Yield3.13%3.57%5.77%4.23%P/E Ratio11.4316.5626.7717.18Price / Sales3.153.2936.51116.99Price / Cash13.3611.2818.6737.86Price / Book1.111.262.764.78Net Income$17.81M$406.76M$1.04B$225.60M7 Day Performance-4.63%-4.75%-2.89%-1.23%1 Month Performance-6.63%-4.99%-2.90%3.36%1 Year Performance2.97%14.26%11.58%16.60% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services2.957 of 5 stars$66.18+2.1%$53.00-19.9%+2.6%$308.67M$99.89M11.43310Positive NewsHigh Trading VolumeFBMSFirst Bancshares1.5465 of 5 stars$37.02+2.4%$37.17+0.4%+19.2%$1.15B$267.28M16.371,078CCBCoastal Financial3.7735 of 5 stars$84.41+1.7%$81.67-3.3%+81.9%$1.14B$444.25M27.95380SIISprott1.2731 of 5 stars$44.20+0.8%N/A+29.1%$1.14B$169.02M24.10170News CoverageFSUNFirstsun Capital BancorpN/A$40.74-4.9%$42.00+3.1%N/A$1.13B$369.74M0.001,128Positive NewsBFCBank First1.4223 of 5 stars$108.12+1.2%$102.00-5.7%+15.5%$1.08B$141.58M13.12361News CoveragePositive NewsAMALAmalgamated Financial3.3045 of 5 stars$35.25+0.9%$39.83+13.0%+25.6%$1.08B$311.12M10.28380Positive NewsBHRBBurke & Herbert Financial Services3.871 of 5 stars$70.22+1.5%$77.50+10.4%+6.6%$1.05B$203.89M8.98850Analyst RevisionNews CoveragePositive NewsAMTBAmerant Bancorp2.6541 of 5 stars$24.88+1.5%$26.40+6.1%-9.6%$1.05B$277.87M-16.57680Positive NewsCNOBConnectOne Bancorp4.8782 of 5 stars$26.47+2.0%$28.00+5.8%+2.5%$1.02B$261.64M14.92487Positive NewsPFCPremier Financial3.4843 of 5 stars$28.11+0.6%$22.50-20.0%+11.3%$1.01B$243.44M14.181,023 Related Companies and Tools Related Companies First Bancshares Competitors Coastal Financial Competitors Sprott Competitors Firstsun Capital Bancorp Competitors Bank First Competitors Amalgamated Financial Competitors Burke & Herbert Financial Services Competitors Amerant Bancorp Competitors ConnectOne Bancorp Competitors Premier Financial Competitors Top 10 Stock Comparisons Bank Stocks Artificial Intelligence Stocks Toy Stocks Growth Stocks Airline Stocks Chinese Stocks EV Charging Stocks Defense Stocks Lithium Stocks Pharmaceutical Stocks This page (NASDAQ:CZFS) was last updated on 12/21/2024 by MarketBeat.com Staff From Our PartnersAmazon coin set to soar 25X – starting December 16th?This tiny 3-cent crypto just partnered with one of the biggest companies in the world… Amazon. 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