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Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$62.36 +2.39 (+3.99%)
As of 01/17/2025 04:00 PM Eastern

CZFS vs. CCB, FBMS, OBK, SII, FSUN, AMAL, OBNK, LX, BFC, and ML

Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include Coastal Financial (CCB), First Bancshares (FBMS), Origin Bancorp (OBK), Sprott (SII), Firstsun Capital Bancorp (FSUN), Amalgamated Financial (AMAL), Origin Bancorp (OBNK), LexinFintech (LX), Bank First (BFC), and MoneyLion (ML). These companies are all part of the "banking" industry.

Citizens Financial Services vs.

Coastal Financial (NASDAQ:CCB) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their risk, analyst recommendations, community ranking, dividends, valuation, profitability, earnings, institutional ownership and media sentiment.

Citizens Financial Services has a net margin of 16.24% compared to Coastal Financial's net margin of 5.98%. Coastal Financial's return on equity of 13.86% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Coastal Financial5.98% 13.86% 1.10%
Citizens Financial Services 16.24%9.86%0.95%

Coastal Financial currently has a consensus price target of $81.67, suggesting a potential downside of 3.03%. Citizens Financial Services has a consensus price target of $53.00, suggesting a potential downside of 15.01%. Given Coastal Financial's stronger consensus rating and higher possible upside, research analysts plainly believe Coastal Financial is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Coastal Financial
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.33
Citizens Financial Services
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Coastal Financial has a beta of 1.22, indicating that its share price is 22% more volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.

In the previous week, Coastal Financial had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Coastal Financial and 2 mentions for Citizens Financial Services. Coastal Financial's average media sentiment score of 0.95 beat Citizens Financial Services' score of 0.77 indicating that Coastal Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Coastal Financial
3 Very Positive mention(s)
1 Positive mention(s)
0 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)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

59.2% of Coastal Financial shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 16.8% of Coastal Financial shares are owned by company insiders. Comparatively, 5.9% of Citizens Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Citizens Financial Services received 4 more outperform votes than Coastal Financial when rated by MarketBeat users. Likewise, 69.23% of users gave Citizens Financial Services an outperform vote while only 63.64% of users gave Coastal Financial an outperform vote.

CompanyUnderperformOutperform
Coastal FinancialOutperform Votes
14
63.64%
Underperform Votes
8
36.36%
Citizens Financial ServicesOutperform Votes
18
69.23%
Underperform Votes
8
30.77%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Coastal Financial$537.55M2.12$44.58M$2.9728.36
Citizens Financial Services$138.72M2.14$17.81M$5.7910.77

Summary

Coastal Financial beats Citizens Financial Services on 14 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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CZFS vs. The Competition

MetricCitizens Financial ServicesState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$296.83M$3.20B$11.78B$9.14B
Dividend Yield3.50%3.75%6.02%4.02%
P/E Ratio10.7716.5225.2417.36
Price / Sales2.142.5528.3677.11
Price / Cash10.509.8717.2635.97
Price / Book1.051.272.654.79
Net Income$17.81M$410.53M$1.04B$225.00M
7 Day Performance4.19%2.68%1.94%2.37%
1 Month Performance-5.77%-0.06%0.90%4.40%
1 Year Performance5.68%17.07%14.70%20.10%

Citizens Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
3.2518 of 5 stars
$62.36
+4.0%
$53.00
-15.0%
+5.7%$296.83M$138.72M10.77310News Coverage
CCB
Coastal Financial
4.273 of 5 stars
$81.33
+2.1%
$81.67
+0.4%
+102.7%$1.10B$444.25M27.38380
FBMS
First Bancshares
1.775 of 5 stars
$33.44
+0.8%
$37.17
+11.1%
+30.6%$1.04B$267.28M15.13870
OBK
Origin Bancorp
1.3641 of 5 stars
$32.98
+2.3%
$36.80
+11.6%
+7.1%$1.03B$354.68M13.571,010News Coverage
SII
Sprott
2.9072 of 5 stars
$39.72
-3.5%
N/A+19.5%$1.03B$167.12M21.82170
FSUN
Firstsun Capital Bancorp
N/A$36.95
-0.5%
$42.00
+13.7%
N/A$1.02B$369.74M0.001,176Positive News
AMAL
Amalgamated Financial
2.9801 of 5 stars
$33.03
+1.8%
$39.83
+20.6%
+41.2%$1.01B$311.12M9.71380Positive News
OBNK
Origin Bancorp
1.3813 of 5 stars
$32.23
-2.5%
N/A+7.5%$992.07M$347.14M10.041,010Gap Down
LX
LexinFintech
2.5466 of 5 stars
$5.90
+4.4%
N/A+277.2%$968.37M$14.05B9.374,268
BFC
Bank First
1.9421 of 5 stars
$95.91
+2.3%
$104.00
+8.4%
+10.2%$960.25M$141.58M11.78361Short Interest ↓
Positive News
ML
MoneyLion
2.3235 of 5 stars
$85.83
+0.1%
$100.00
+16.5%
+78.3%$952.80M$500.28M390.14560

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This page (NASDAQ:CZFS) was last updated on 1/21/2025 by MarketBeat.com Staff
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