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Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$60.24 +0.42 (+0.70%)
As of 01:14 PM Eastern
This is a fair market value price provided by Polygon.io. Learn more.

CZFS vs. CCB, FSUN, FBMS, SII, AMAL, PFC, CNOB, BFC, AMTB, 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), Firstsun Capital Bancorp (FSUN), First Bancshares (FBMS), Sprott (SII), Amalgamated Financial (AMAL), Premier Financial (PFC), ConnectOne Bancorp (CNOB), Bank First (BFC), Amerant Bancorp (AMTB), and MoneyLion (ML). These companies are all part of the "banking" industry.

Citizens Financial Services vs.

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

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
Citizens Financial Services$169.72M1.69$27.82M$5.8710.26
Coastal Financial$458.36M2.67$45.22M$3.2527.79

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 59.2% of Coastal Financial shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by company insiders. Comparatively, 16.8% of Coastal Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Citizens Financial Services presently has a consensus target price of $53.00, suggesting a potential downside of 12.02%. Coastal Financial has a consensus target price of $93.00, suggesting a potential upside of 2.95%. Given Coastal Financial's stronger consensus rating and higher probable upside, analysts clearly believe Coastal Financial 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)
3.00
Coastal Financial
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

Citizens Financial Services has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Coastal Financial has a beta of 1.23, meaning that its share price is 23% more volatile than the S&P 500.

In the previous week, Coastal Financial had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for Coastal Financial and 2 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.34 beat Coastal Financial's score of 0.29 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
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Coastal Financial
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Citizens Financial Services received 2 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 66.67% of users gave Coastal Financial an outperform vote.

CompanyUnderperformOutperform
Citizens Financial ServicesOutperform Votes
18
69.23%
Underperform Votes
8
30.77%
Coastal FinancialOutperform Votes
16
66.67%
Underperform Votes
8
33.33%

Citizens Financial Services has a net margin of 16.39% compared to Coastal Financial's net margin of 6.43%. Coastal Financial's return on equity of 14.98% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services16.39% 9.93% 0.97%
Coastal Financial 6.43%14.98%1.20%

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$286.74M$3.21B$11.66B$9.02B
Dividend Yield3.11%3.64%5.57%3.85%
P/E Ratio10.2624.4824.2218.96
Price / Sales1.692.2526.3177.29
Price / Cash11.8110.7818.1337.47
Price / Book1.011.252.624.69
Net Income$27.82M$372.21M$1.03B$245.69M
7 Day Performance-7.18%-1.80%-0.98%-1.85%
1 Month Performance-3.69%-0.20%0.63%-1.54%
1 Year Performance26.98%23.47%15.73%14.60%

Citizens Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
2.9277 of 5 stars
$60.24
+0.7%
$53.00
-12.0%
+22.5%$286.74M$169.72M10.26310Positive News
Gap Up
CCB
Coastal Financial
3.7887 of 5 stars
$86.45
-1.4%
$90.67
+4.9%
+130.8%$1.17B$703.32M26.60380
FSUN
Firstsun Capital Bancorp
N/A$42.29
+0.9%
$44.50
+5.2%
N/A$1.17B$369.74M0.001,128Analyst Forecast
News Coverage
Gap Up
FBMS
First Bancshares
1.8834 of 5 stars
$37.25
-1.9%
$38.75
+4.0%
+49.1%$1.16B$419.60M15.261,078Positive News
SII
Sprott
1.0078 of 5 stars
$44.06
+1.5%
N/A+14.5%$1.14B$169.02M24.21170News Coverage
Positive News
AMAL
Amalgamated Financial
3.0373 of 5 stars
$35.25
-0.1%
$39.83
+13.0%
+45.6%$1.08B$434.51M10.22380Analyst Downgrade
PFC
Premier Financial
3.5811 of 5 stars
$28.91
+2.9%
$22.50
-22.2%
+43.2%$1.04B$442.88M14.531,023Positive News
CNOB
ConnectOne Bancorp
4.2488 of 5 stars
$26.95
flat
$28.00
+3.9%
+27.0%$1.03B$534.62M15.23520Ex-Dividend
BFC
Bank First
2.1431 of 5 stars
$102.35
+0.3%
$104.00
+1.6%
+19.9%$1.02B$226.09M15.75330Insider Trade
News Coverage
Positive News
AMTB
Amerant Bancorp
2.7054 of 5 stars
$23.22
+0.3%
$27.00
+16.3%
+7.1%$977.63M$636.08M-40.73680
ML
MoneyLion
2.6663 of 5 stars
$87.52
+0.2%
$100.00
+14.3%
+68.7%$971.42M$423.43M397.80560Insider Trade
News Coverage

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This page (NASDAQ:CZFS) was last updated on 2/21/2025 by MarketBeat.com Staff
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