CZFS vs. CBAN, MFSF, TSBK, PDLB, COFS, SBSI, AMAL, CTBI, FMBH, and CNOB
Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include Colony Bankcorp (CBAN), MutualFirst Financial (MFSF), Timberland Bancorp (TSBK), Ponce Financial Group (PDLB), ChoiceOne Financial Services (COFS), Southside Bancshares (SBSI), Amalgamated Financial (AMAL), Community Trust Bancorp (CTBI), First Mid Bancshares (FMBH), and ConnectOne Bancorp (CNOB). These companies are all part of the "finance" sector.
Citizens Financial Services (NASDAQ:CZFS) and Colony Bankcorp (NASDAQ:CBAN) 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, risk, community ranking, earnings, institutional ownership, dividends, analyst recommendations, valuation and profitability.
Citizens Financial Services currently has a consensus target price of $53.00, suggesting a potential upside of 20.35%. Given Citizens Financial Services' higher probable upside, equities analysts clearly believe Citizens Financial Services is more favorable than Colony Bankcorp.
22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 50.4% of Colony Bankcorp shares are held by institutional investors. 6.3% of Citizens Financial Services shares are held by insiders. Comparatively, 6.6% of Colony Bankcorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Colony Bankcorp received 84 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 57.63% of users gave Colony Bankcorp an outperform vote.
Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.5%. Colony Bankcorp pays an annual dividend of $0.45 per share and has a dividend yield of 3.8%. Citizens Financial Services pays out 53.1% of its earnings in the form of a dividend. Colony Bankcorp pays out 36.0% 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.
In the previous week, Citizens Financial Services had 1 more articles in the media than Colony Bankcorp. MarketBeat recorded 1 mentions for Citizens Financial Services and 0 mentions for Colony Bankcorp. Colony Bankcorp's average media sentiment score of 1.00 beat Citizens Financial Services' score of 0.00 indicating that Colony Bankcorp is being referred to more favorably in the news media.
Colony Bankcorp has a net margin of 13.17% compared to Citizens Financial Services' net margin of 11.63%. Citizens Financial Services' return on equity of 10.43% beat Colony Bankcorp's return on equity.
Colony Bankcorp has higher revenue and earnings than Citizens Financial Services. Colony Bankcorp 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.
Citizens Financial Services has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500.
Summary
Citizens Financial Services beats Colony Bankcorp on 10 of the 19 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZFS and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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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