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	First Business Financial Services	BayCom	Investar	Bankwell Financial Group	Citizens Financial Services
Symbol	NASDAQ:FBIZ	NASDAQ:BCML	NASDAQ:ISTR	NASDAQ:BWFG	OTCMKTS:CZFS
Price Information
Current Price	$24.22	$17.89	$21.15	$27.60	$59.00
52 Week Range	Buy	Buy	Hold	Hold	Buy
MarketRank™
Overall Score	2.0	1.5	2.0	1.6	1.7
Analysis Score	1.5	1.5	1.2	0.0	1.5
Community Score	2.1	1.9	2.4	2.3	3.2
Dividend Score	2.5	0.0	2.5	2.5	2.5
Ownership Score	0.8	0.8	0.8	0.8	0.0
Earnings & Valuation Score	3.1	3.1	3.1	2.5	1.3
Analyst Ratings
Consensus Recommendation	Buy	Buy	Hold	Hold	Buy
Consensus Price Target	$24.67	$17.50	$16.83	N/A	$63.00
% Upside from Price Target	1.84% upside	-2.18% downside	-20.41% downside	N/A	6.78% upside
Trade Information
Market Cap	$209.26 million	$201.03 million	$221.59 million	$220.08 million	$230.87 million
Beta	1.07	1.01	0.74	0.8	0.53
Average Volume	21,097	28,646	33,527	30,007	2,211
Sales & Book Value
Annual Revenue	$109.23 million	$86.11 million	$95.66 million	$88.19 million	$70.37 million
Price / Sales	1.92	2.33	2.32	2.50	3.28
Cashflow	$3.74 per share	N/A	$2.61 per share	$3.72 per share	$5.95 per share
Price / Cash	6.48	N/A	8.11	7.41	9.92
Book Value	$22.60 per share	N/A	$24.36 per share	$23.26 per share	$43.47 per share
Price / Book	1.07	∞	0.87	1.19	1.36
Profitability
Net Income	$23.32 million	$17.32 million	$16.84 million	$18.22 million	$19.49 million
EPS	$2.68	$1.89	$1.81	$2.31	$5.48
Trailing P/E Ratio	12.55	15.83	18.08	24.00	9.64
Forward P/E Ratio	11.06	10.91	17.06	11.85	9.23
P/E Growth	N/A	N/A	N/A	N/A	N/A
Net Margins	13.73%	14.22%	12.15%	11.08%	29.73%
Return on Equity (ROE)	8.46%	7.04%	5.51%	5.19%	13.35%
Return on Assets (ROA)	0.71%	0.80%	0.58%	0.44%	1.39%
Dividend
Annual Payout	$0.72	N/A	$0.28	$0.56	$1.86
Dividend Yield	2.97%	N/A	1.32%	2.03%	3.15%
Three-Year Dividend Growth	26.92%	N/A	247.22%	100.00%	N/A
Payout Ratio	26.87%	N/A	15.47%	24.24%	33.94%
Years of Consecutive Dividend Growth	1 Years	N/A	6 Years	1 Years	N/A
Debt
Debt-to-Equity Ratio	2.46%	0.32%	0.93%	1.15%	0.53%
Current Ratio	1.21%	1.07%	1.01%	1.07%	0.94%
Quick Ratio	1.21%	1.06%	1.01%	1.07%	0.93%
Ownership Information
Institutional Ownership Percentage	63.09%	58.82%	54.97%	49.99%	0.72%
Insider Ownership Percentage	5.30%	5.50%	9.75%	16.58%	12.30%
Miscellaneous
Employees	288	315	323	157	294
Shares Outstanding	8.64 million	11.24 million	10.48 million	7.97 million	3.91 million
Next Earnings Date	4/22/2021 (Estimated)	4/23/2021 (Estimated)	4/22/2021 (Estimated)	5/5/2021 (Estimated)	4/23/2021 (Estimated)
Optionable	Optionable	Not Optionable	Not Optionable	Not Optionable	Not Optionable

Source	Headline
	Citizens Financial Services, Inc. (OTCMKTS:CZFS) Short Interest Up 100.0% in March americanbankingnews.com - April 15 at 8:24 AM
	'Essential services' exempted from 50% attendance rule gulf-times.com - April 10 at 6:09 PM
	Vakrangee to on-board 1,554 women for banking services in UP news.webindia123.com - April 6 at 9:30 AM
	Osun governor inaugurates integrated financial management information system today.ng - March 27 at 1:50 PM
	Citizens Financial Group Announces Earnings Conference Call Schedule for 2022 Quarterly Financial Results apnews.com - March 26 at 5:29 PM
	Nigerian National, Babatope Joseph Aderinoye Sentenced For Multimillion-Dollar Fraud & Money Laundering Scheme Victimizing Senior Citizens, School Districts, Charities msn.com - March 26 at 12:28 PM
	Some new U.S. citizens were serenaded by Philadelphia Orchestra musicians msn.com - March 26 at 7:27 AM
	Delray Beach man accused of victimizing 8 senior citizens in COVID-19 relief fraud msn.com - March 25 at 12:18 AM
	Jackson to receive funding to bring financial counseling to citizens msn.com - March 24 at 2:17 PM
	Citizens National Announces Launch Of New Products And Services In Florida finance.yahoo.com - March 22 at 5:11 PM
	A Native American Tribe In Oklahoma Denied Black Citizens COVID-19 Vaccines And Financial Relief buzzfeednews.com - March 16 at 2:08 PM
	Egypt’s Sisi urges launch of new mortgage program for low, middle-income citizens english.ahram.org.eg - March 14 at 5:21 PM
	Citizens Announces Q4 And 2020 Financial Results markets.businessinsider.com - March 10 at 7:10 PM
	Global Partners Announces Chief Financial Officer Succession finance.yahoo.com - March 9 at 4:45 PM
	A plan to offer financial rewards for exercising is being considered - how would it work? msn.com - March 4 at 7:20 AM
	Village of Morton looking to reduce the financial impact of high gas bills on residents centralillinoisproud.com - March 2 at 3:34 AM
	Foodnet expands services to feed Tompkins residents in quarantine ithaca.com - March 1 at 10:15 PM
	Guide To Subsidised Healthcare For Senior Citizens In Singapore sg.finance.yahoo.com - February 26 at 12:44 AM
	Nuapay Launches Open Banking Payment Services in Germany, Italy as Part of “Major Expansion” crowdfundinsider.com - February 25 at 2:42 PM
	Citizens Budget guide to improve people’s perception fijitimes.com - February 25 at 4:23 AM
	Universal Credit: Rishi Sunak warned Britons face ‘financial turmoil’ if £20 increase cut msn.com - February 23 at 2:39 PM
	West Orange Senior Citizens Give 'Legacy of Love' Valentine to Community Youth tapinto.net - February 23 at 9:39 AM
	‘Seylan Harasara’ revamped to offer a range of exclusive benefits to senior citizens island.lk - February 22 at 11:45 PM
	Citizens Financial Group Announces Final Results of its Private Exchange Offers for Five Series of Subordinated Notes businesswire.com - February 11 at 7:19 PM
	Some Sectors, Like Financial Services, Grew Jobs During COVID-19 insurancenewsnet.com - February 9 at 1:17 PM

Date	Company	Brokerage	Action
2/3/2021	First Business Financial Services	Janney Montgomery Scott	Upgrade
2/1/2021	First Business Financial Services	Raymond James	Boost Price Target
1/31/2021	First Business Financial Services	Keefe, Bruyette & Woods	Upgrade
11/18/2019	First Business Financial Services	DA Davidson	Reiterated Rating
7/27/2018	First Business Financial Services	Sandler O'Neill	Set Price Target
12/4/2020	BayCom	B. Riley	Boost Price Target
2/4/2019	BayCom	Hovde Group	Initiated Coverage
1/28/2021	Investar	Piper Sandler	Upgrade
10/25/2019	Investar	Piper Jaffray Companies	Set Price Target
4/29/2019	Investar	FIG Partners	Reiterated Rating
12/16/2020	Bankwell Financial Group	Boenning Scattergood	Downgrade

(Data available from 4/18/2018 forward. View 10+ years of historical ratings with our analyst ratings screener.)

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