Citizens Financial Services (CZFS) Competitors $52.61 -1.08 (-2.01%) Closing price 08/1/2025 04:00 PM EasternExtended Trading$52.52 -0.09 (-0.17%) As of 08/1/2025 05:03 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, OPFI, DEFT, TRIN, BHRB, BTBT, CNOB, FMBH, AMAL, and SUPVShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include FirstSun Capital Bancorp (FSUN), OppFi (OPFI), DeFi Technologies (DEFT), Trinity Capital (TRIN), Burke & Herbert Financial Services (BHRB), Bit Digital (BTBT), ConnectOne Bancorp (CNOB), First Mid Bancshares (FMBH), Amalgamated Financial (AMAL), and Grupo Supervielle (SUPV). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors FirstSun Capital Bancorp OppFi DeFi Technologies Trinity Capital Burke & Herbert Financial Services Bit Digital ConnectOne Bancorp First Mid Bancshares Amalgamated Financial Grupo Supervielle FirstSun Capital Bancorp (NASDAQ:FSUN) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their media sentiment, profitability, dividends, valuation, institutional ownership, analyst recommendations, earnings and risk. Does the media refer more to FSUN or CZFS? In the previous week, FirstSun Capital Bancorp had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for FirstSun Capital Bancorp and 4 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 0.83 beat FirstSun Capital Bancorp's score of 0.80 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 FirstSun Capital Bancorp 1 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Citizens Financial Services 0 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has better earnings & valuation, FSUN or CZFS? 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 RatioFirstSun Capital Bancorp$549.33M1.77$75.63M$3.1311.13Citizens Financial Services$169.72M1.48$27.82M$6.637.94 Do analysts prefer FSUN or CZFS? FirstSun Capital Bancorp currently has a consensus price target of $46.00, indicating a potential upside of 32.03%. Given FirstSun Capital Bancorp's stronger consensus rating and higher possible upside, equities analysts clearly believe FirstSun Capital Bancorp is more favorable than Citizens Financial Services.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score FirstSun Capital Bancorp 0 Sell rating(s) 0 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 3.00Citizens Financial Services 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Is FSUN or CZFS 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 10.46% beat FirstSun Capital Bancorp's return on equity.Company Net Margins Return on Equity Return on Assets FirstSun Capital Bancorp15.99% 9.34% 1.20% Citizens Financial Services 18.54%10.46%1.05% Do insiders & institutionals have more ownership in FSUN or CZFS? 22.5% of Citizens Financial Services shares are owned by institutional investors. 12.5% of FirstSun Capital Bancorp shares are owned by company insiders. Comparatively, 6.1% of Citizens Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term. SummaryFirstSun Capital Bancorp beats Citizens Financial Services on 10 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$255.55M$845.02M$12.08B$9.53BDividend Yield3.69%3.21%5.63%4.08%P/E Ratio7.9415.7019.7423.80Price / Sales1.481.9925.9288.12Price / Cash8.9648.6321.3357.96Price / Book0.841.052.095.55Net Income$27.82M$54.19M$1.00B$259.03M7 Day Performance-9.29%-3.17%-2.46%-4.56%1 Month Performance-16.61%-3.26%-0.96%4.49%1 Year Performance10.53%11.32%537.06%18.05% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services3.6666 of 5 stars$52.61-2.0%N/A+3.9%$255.55M$169.72M7.94310Earnings ReportAnalyst UpgradeFSUNFirstSun Capital Bancorp3.6375 of 5 stars$39.25+1.1%$46.00+17.2%-16.3%$1.08B$549.33M12.741,142Earnings ReportOPFIOppFi3.3111 of 5 stars$10.93-3.0%$13.63+24.7%+182.8%$978.33M$525.96M-29.54570Positive NewsUpcoming EarningsDEFTDeFi TechnologiesN/A$2.94+1.7%$6.25+112.6%N/A$976.28M$40.30M10.1420Gap DownTRINTrinity Capital2.3525 of 5 stars$14.83-1.6%$15.38+3.7%+2.7%$974.29M$237.69M6.7740Upcoming EarningsBHRBBurke & Herbert Financial Services3.7758 of 5 stars$61.58-2.0%$71.67+16.4%-11.6%$943.06M$312.60M8.94850Analyst RevisionBTBTBit Digital3.0804 of 5 stars$3.00-4.8%$6.33+111.1%-20.5%$937.36M$108.05M-6.3810Options VolumeGap DownCNOBConnectOne Bancorp4.9244 of 5 stars$24.52+1.1%$30.25+23.4%-3.3%$932.90M$534.62M13.25520Positive NewsEarnings ReportDividend AnnouncementFMBHFirst Mid Bancshares3.2542 of 5 stars$39.37+1.5%$43.33+10.1%-1.9%$930.29M$453.67M11.181,198AMALAmalgamated Financial3.6626 of 5 stars$29.85-0.7%$38.50+29.0%-4.9%$919.53M$434.51M8.94380SUPVGrupo Supervielle3.9587 of 5 stars$10.01-3.3%$13.67+36.5%+63.7%$916.33M$2.05B13.533,456Gap Down Related Companies and Tools Related Companies FirstSun Capital Bancorp Competitors OppFi Competitors DeFi Technologies Competitors Trinity Capital Competitors Burke & Herbert Financial Services Competitors Bit Digital Competitors ConnectOne Bancorp Competitors First Mid Bancshares Competitors Amalgamated Financial Competitors Grupo Supervielle 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 8/2/2025 by MarketBeat.com Staff From Our PartnersBuffett to put 90% of his money in this one stock?CPA and CFA says you have WAY too many stocks - just buy these 3 After years working at the biggest accoun...Altimetry | SponsoredHe Called Nvidia at $1.10. 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