Citizens Financial Services (CZFS) Competitors $56.86 -1.43 (-2.45%) (As of 11/1/2024 ET) Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends CZFS vs. PDLB, CBAN, COFS, TSBK, CVCY, FBMS, AMAL, FSUN, BHRB, and CNOBShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include Ponce Financial Group (PDLB), Colony Bankcorp (CBAN), ChoiceOne Financial Services (COFS), Timberland Bancorp (TSBK), Central Valley Community Bancorp (CVCY), First Bancshares (FBMS), Amalgamated Financial (AMAL), Firstsun Capital Bancorp (FSUN), Burke & Herbert Financial Services (BHRB), and ConnectOne Bancorp (CNOB). These companies are all part of the "finance" sector. Citizens Financial Services vs. Ponce Financial Group Colony Bankcorp ChoiceOne Financial Services Timberland Bancorp Central Valley Community Bancorp First Bancshares Amalgamated Financial Firstsun Capital Bancorp Burke & Herbert Financial Services ConnectOne Bancorp Citizens Financial Services (NASDAQ:CZFS) and Ponce Financial Group (NASDAQ:PDLB) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their media sentiment, institutional ownership, community ranking, valuation, earnings, risk, dividends, profitability and analyst recommendations. Is CZFS or PDLB more profitable? Citizens Financial Services has a net margin of 16.24% compared to Ponce Financial Group's net margin of 5.31%. Citizens Financial Services' return on equity of 9.99% beat Ponce Financial Group's return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services16.24% 9.99% 0.96% Ponce Financial Group 5.31%3.18%0.31% Do insiders & institutionals have more ownership in CZFS or PDLB? 22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 64.3% of Ponce Financial Group shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by company insiders. Comparatively, 6.7% of Ponce Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term. Do analysts prefer CZFS or PDLB? Citizens Financial Services presently has a consensus price target of $53.00, indicating a potential downside of 6.79%. Given Citizens Financial Services' higher possible upside, research analysts plainly believe Citizens Financial Services is more favorable than Ponce Financial Group.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) 3.00Ponce Financial Group 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) N/A Does the MarketBeat Community prefer CZFS or PDLB? Ponce Financial Group received 68 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 53.42% of users gave Ponce Financial Group an outperform vote. CompanyUnderperformOutperformCitizens Financial ServicesOutperform Votes1869.23% Underperform Votes830.77% Ponce Financial GroupOutperform Votes8653.42% Underperform Votes7546.58% Which has stronger valuation & earnings, CZFS or PDLB? Citizens Financial Services has higher revenue and earnings than Ponce Financial Group. Citizens Financial Services is trading at a lower price-to-earnings ratio than Ponce Financial Group, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$99.89M2.71$17.81M$5.799.82Ponce Financial Group$79.11M3.44$3.35M$0.3730.85 Does the media refer more to CZFS or PDLB? In the previous week, Citizens Financial Services had 1 more articles in the media than Ponce Financial Group. MarketBeat recorded 5 mentions for Citizens Financial Services and 4 mentions for Ponce Financial Group. Citizens Financial Services' average media sentiment score of 1.10 beat Ponce Financial Group's score of 0.80 indicating that Citizens Financial Services is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Citizens Financial Services 0 Very Positive mention(s) 2 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Ponce Financial Group 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 more volatility & risk, CZFS or PDLB? Citizens Financial Services has a beta of 0.48, indicating that its stock price is 52% less volatile than the S&P 500. Comparatively, Ponce Financial Group has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500. SummaryCitizens Financial Services beats Ponce Financial Group on 11 of the 17 factors compared between the two stocks. Ad Crypto Swap Profits625,000% GainImagine swapping your daily coffee expense for a future free of financial worries. It might seem far-fetched, but results like this are within reach with the right knowledge and timing in the altcoin market. Plus, you’ll get $10 in real Bitcoin when you stay to the end of the call and take a short quiz.>> Dive into the Workshop Here 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$270.65M$3.04B$10.47B$8.53BDividend Yield3.25%3.71%10.20%4.14%P/E Ratio9.8216.1243.2515.18Price / Sales2.712.503,256.7692.77Price / Cash11.2910.2530.0334.07Price / Book0.961.193.975.02Net Income$17.81M$405.86M$992.99M$225.46M7 Day Performance-2.13%0.65%-0.35%0.37%1 Month Performance4.87%4.29%0.25%3.57%1 Year Performance8.02%31.98%22.81%29.44% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services3.7026 of 5 stars$56.86-2.5%$53.00-6.8%+15.2%$270.65M$99.89M9.82310Short Interest ↓News CoveragePositive NewsHigh Trading VolumePDLBPonce Financial Group1.4491 of 5 stars$11.42+1.4%N/A+49.0%$271.81M$79.11M30.85250News CoverageCBANColony Bankcorp3.1604 of 5 stars$15.03-1.2%N/A+50.5%$264.38M$160.55M12.02520COFSChoiceOne Financial Services4.0331 of 5 stars$32.98-0.6%$37.00+12.2%+75.4%$295.50M$113.89M10.40380TSBKTimberland Bancorp3.7366 of 5 stars$30.19+4.5%N/A+7.8%$240.61M$91.09M10.00300Dividend IncreaseNews CoverageGap UpCVCYCentral Valley Community Bancorp3.899 of 5 starsN/A$22.00+∞N/A$235.30M$109.44M9.17259FBMSFirst Bancshares1.6894 of 5 stars$33.15-1.0%$35.50+7.1%+35.9%$1.03B$387.64M15.001,078AMALAmalgamated Financial2.3738 of 5 stars$32.84-1.0%$32.17-2.1%+81.8%$1.01B$311.12M9.66380Insider SellingNews CoverageFSUNFirstsun Capital BancorpN/A$35.70-2.4%N/AN/A$986.75M$492.78M0.001,128News CoverageBHRBBurke & Herbert Financial Services3.7866 of 5 stars$62.90-0.7%$74.00+17.6%+40.8%$940.04M$205.80M9.08850Analyst ForecastShort Interest ↑Analyst RevisionNews CoverageCNOBConnectOne Bancorp4.2242 of 5 stars$24.35+0.5%$26.33+8.1%+47.6%$934.31M$504.07M13.99487Analyst Downgrade Related Companies and Tools Related Companies Ponce Financial Group Competitors Colony Bankcorp Competitors ChoiceOne Financial Services Competitors Timberland Bancorp Competitors Central Valley Community Bancorp Competitors First Bancshares Competitors Amalgamated Financial Competitors Firstsun Capital Bancorp Competitors Burke & Herbert Financial Services 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 11/2/2024 by MarketBeat.com Staff From Our Partners625,000% GainImagine swapping your daily coffee expense for a future free of financial worries. 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