Citizens Financial Services (CZFS) Competitors $68.72 -0.19 (-0.28%) (As of 09:30 AM ET) Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends CZFS vs. COFS, PDLB, CBAN, TSBK, ACNB, SII, FBMS, AMAL, BFC, and CNOBShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include ChoiceOne Financial Services (COFS), Ponce Financial Group (PDLB), Colony Bankcorp (CBAN), Timberland Bancorp (TSBK), ACNB (ACNB), Sprott (SII), First Bancshares (FBMS), Amalgamated Financial (AMAL), Bank First (BFC), and ConnectOne Bancorp (CNOB). These companies are all part of the "banking" industry. Citizens Financial Services vs. ChoiceOne Financial Services Ponce Financial Group Colony Bankcorp Timberland Bancorp ACNB Sprott First Bancshares Amalgamated Financial Bank First ConnectOne Bancorp Citizens Financial Services (NASDAQ:CZFS) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their media sentiment, institutional ownership, valuation, risk, analyst recommendations, community ranking, profitability, dividends and earnings. Do institutionals & insiders hold more shares of CZFS or COFS? 22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by insiders. Comparatively, 7.9% of ChoiceOne Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth. Does the MarketBeat Community believe in CZFS or COFS? Citizens Financial Services received 17 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 50.00% of users gave ChoiceOne Financial Services an outperform vote. CompanyUnderperformOutperformCitizens Financial ServicesOutperform Votes1869.23% Underperform Votes830.77% ChoiceOne Financial ServicesOutperform Votes150.00% Underperform Votes150.00% Is CZFS or COFS more profitable? ChoiceOne Financial Services has a net margin of 18.41% compared to Citizens Financial Services' net margin of 16.24%. ChoiceOne Financial Services' return on equity of 11.79% beat Citizens Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services16.24% 9.86% 0.95% ChoiceOne Financial Services 18.41%11.79%0.96% Does the media favor CZFS or COFS? In the previous week, ChoiceOne Financial Services had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for ChoiceOne Financial Services and 1 mentions for Citizens Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.83 beat Citizens Financial Services' score of 0.00 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media. Company Overall Sentiment Citizens Financial Services Neutral ChoiceOne Financial Services Very Positive Is CZFS or COFS a better dividend stock? Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 2.9%. ChoiceOne Financial Services pays an annual dividend of $1.08 per share and has a dividend yield of 3.0%. Citizens Financial Services pays out 33.9% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 34.1% 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. ChoiceOne Financial Services has raised its dividend for 12 consecutive years. ChoiceOne Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Which has more risk and volatility, CZFS or COFS? Citizens Financial Services has a beta of 0.48, indicating that its share price is 52% less volatile than the S&P 500. Comparatively, ChoiceOne Financial Services has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Which has preferable earnings & valuation, CZFS or COFS? 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. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$138.72M2.36$17.81M$5.7911.87ChoiceOne Financial Services$113.89M2.84$21.26M$3.1711.39 Do analysts rate CZFS or COFS? Citizens Financial Services presently has a consensus price target of $53.00, suggesting a potential downside of 22.88%. ChoiceOne Financial Services has a consensus price target of $37.00, suggesting a potential upside of 2.49%. Given ChoiceOne Financial Services' higher possible upside, analysts clearly believe ChoiceOne Financial Services 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) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00ChoiceOne Financial Services 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 SummaryChoiceOne Financial Services beats Citizens Financial Services on 12 of the 19 factors compared between the two stocks. Ad Wyatt Investment ResearchMy #1 Pre IPO Trade for 2025 – NAME and TICKEROne tiny company... Could quickly become "the next SpaceX." It plans to go public on the NASDAQ. And today you can buy Pre-IPO shares for less than $4.00. Get urgent details inside this free report...The Next SpaceX Pre-IPO 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$327.11M$3.02B$10.51B$8.80BDividend Yield2.80%3.51%10.13%4.07%P/E Ratio11.8717.1546.2813.60Price / Sales2.362.473,473.7987.40Price / Cash13.1211.0830.6036.27Price / Book1.101.254.086.33Net Income$17.81M$405.80M$1.02B$225.93M7 Day Performance-1.93%-0.67%0.04%-0.96%1 Month Performance20.37%8.66%7.24%1.06%1 Year Performance22.50%36.15%24.26%26.59% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services2.866 of 5 stars$68.72-0.3%$53.00-22.9%+19.3%$327.11M$138.72M11.87310COFSChoiceOne Financial Services3.1282 of 5 stars$36.10+0.8%$37.00+2.5%+42.0%$323.46M$113.89M11.30380News CoveragePositive NewsPDLBPonce Financial Group1.1951 of 5 stars$12.79+1.1%N/A+36.0%$304.79M$136.09M34.19250Positive NewsCBANColony Bankcorp3.5515 of 5 stars$17.28+1.8%N/A+59.3%$302.92M$160.55M12.75520Analyst DowngradeTSBKTimberland Bancorp3.9253 of 5 stars$32.77+1.2%N/A+9.8%$261.18M$105.96M10.79300Positive NewsACNBACNB1.5041 of 5 stars$47.70+1.1%$45.00-5.7%+21.4%$407.84M$115.08M13.71400Analyst ForecastNews CoverageSIISprott2.1671 of 5 stars$44.17+0.3%N/A+45.8%$1.14B$169.02M24.21170Ex-DividendPositive NewsFBMSFirst Bancshares2.0871 of 5 stars$36.13+0.7%$35.50-1.7%+34.8%$1.13B$387.64M14.301,078Analyst ForecastPositive NewsAMALAmalgamated Financial2.7359 of 5 stars$35.62+0.2%$32.17-9.7%+68.0%$1.09B$387.41M10.46380Insider TradeBFCBank First1.0017 of 5 stars$103.97+1.2%$102.00-1.9%+21.6%$1.04B$240.60M12.75361CNOBConnectOne Bancorp4.7454 of 5 stars$26.94+1.4%$26.33-2.3%+36.1%$1.03B$504.07M15.28487Analyst UpgradePositive News Related Companies and Tools Related Companies ChoiceOne Financial Services Competitors Ponce Financial Group Competitors Colony Bankcorp Competitors Timberland Bancorp Competitors ACNB Competitors Sprott Competitors First Bancshares Competitors Amalgamated Financial Competitors Bank First Competitors ConnectOne Bancorp 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 11/21/2024 by MarketBeat.com Staff From Our PartnersThe Crypto That’s Making Wall Street SweatThe Crypto Wall Street Is Desperate to Hide It's happening now, right under everyone's radar. 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