CZFS vs. USCB, SSBK, PCB, TSBK, SBNY, OVLY, PKBK, NWFL, PDLB, and CIVB
Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include USCB Financial (USCB), Southern States Bancshares (SSBK), PCB Bancorp (PCB), Timberland Bancorp (TSBK), Signature Bank (SBNY), Oak Valley Bancorp (OVLY), Parke Bancorp (PKBK), Norwood Financial (NWFL), Ponce Financial Group (PDLB), and Civista Bancshares (CIVB). These companies are all part of the "finance" sector.
USCB Financial (NASDAQ:USCB) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, earnings, valuation, media sentiment, analyst recommendations, dividends, risk, community ranking and institutional ownership.
USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.9%. Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.9%. USCB Financial pays out 26.0% of its earnings in the form of a dividend. Citizens Financial Services pays out 53.1% 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. Citizens Financial Services has raised its dividend for 3 consecutive years. Citizens Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
USCB Financial has a net margin of 13.08% compared to USCB Financial's net margin of 11.63%. USCB Financial's return on equity of 10.57% beat Citizens Financial Services' return on equity.
61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 48.1% of USCB Financial shares are owned by insiders. Comparatively, 6.3% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Citizens Financial Services has higher revenue and earnings than USCB Financial. Citizens Financial Services is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.
USCB Financial has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.34, suggesting that its share price is 66% less volatile than the S&P 500.
USCB Financial currently has a consensus price target of $13.33, indicating a potential upside of 24.26%. Given Citizens Financial Services' stronger consensus rating and higher possible upside, equities research analysts plainly believe USCB Financial is more favorable than Citizens Financial Services.
In the previous week, USCB Financial had 9 more articles in the media than Citizens Financial Services. MarketBeat recorded 12 mentions for USCB Financial and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 0.83 beat USCB Financial's score of -0.75 indicating that USCB Financial is being referred to more favorably in the media.
Citizens Financial Services received 7 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 68.00% of users gave Citizens Financial Services an outperform vote while only 55.56% of users gave USCB Financial an outperform vote.
Summary
USCB Financial beats Citizens Financial Services on 12 of the 21 factors compared between the two stocks.
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.
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.
Citizens Financial Services Competitors List
Related Companies and Tools
