Citizens Financial Services (CZFS) Competitors

Citizens Financial Services (NASDAQ:CZFS) and Origin Bancorp (NASDAQ:OBK) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their media sentiment, institutional ownership, profitability, dividends, earnings, analyst recommendations, valuation and risk.

Do insiders and institutionals have more ownership in CZFS or OBK?

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 54.7% of Origin Bancorp shares are held by institutional investors. 6.1% of Citizens Financial Services shares are held by company insiders. Comparatively, 6.4% of Origin Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Which has better earnings & valuation, CZFS or OBK?

Origin Bancorp has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Origin Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$169.72M	1.75	$27.82M	$5.98	10.45
Origin Bancorp	$358.20M	3.25	$76.49M	$2.44	15.32

Does the media favor CZFS or OBK?

In the previous week, Origin Bancorp had 11 more articles in the media than Citizens Financial Services. MarketBeat recorded 11 mentions for Origin Bancorp and 0 mentions for Citizens Financial Services. Origin Bancorp's average media sentiment score of 0.87 beat Citizens Financial Services' score of 0.00 indicating that Origin Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Citizens Financial Services	Neutral
Origin Bancorp	Positive

Is CZFS or OBK a better dividend stock?

Citizens Financial Services pays an annual dividend of $1.98 per share and has a dividend yield of 3.2%. Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.6%. Citizens Financial Services pays out 33.1% of its earnings in the form of a dividend. Origin Bancorp pays out 24.6% 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.

Which has more volatility and risk, CZFS or OBK?

Citizens Financial Services has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500. Comparatively, Origin Bancorp has a beta of 0.83, suggesting that its stock price is 17% less volatile than the S&P 500.

Do analysts prefer CZFS or OBK?

Origin Bancorp has a consensus price target of $42.20, indicating a potential upside of 12.89%. Given Origin Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Origin 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)	0.00
Origin Bancorp	0 Sell rating(s)	0 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is CZFS or OBK more profitable?

Citizens Financial Services has a net margin of 16.79% compared to Origin Bancorp's net margin of 12.34%. Citizens Financial Services' return on equity of 9.83% beat Origin Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	16.79%	9.83%	0.98%
Origin Bancorp	12.34%	6.91%	0.77%

Summary

Origin Bancorp beats Citizens Financial Services on 13 of the 18 factors compared between the two stocks.