Citizens Financial Services (CZFS) Competitors $60.05 -1.43 (-2.33%) As of 09:30 AM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CZFS vs. BFC, QCRH, OBK, OBNK, FBMS, SUPV, PFC, FSUN, ML, and TRINShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include Bank First (BFC), QCR (QCRH), Origin Bancorp (OBK), Origin Bancorp (OBNK), First Bancshares (FBMS), Grupo Supervielle (SUPV), Premier Financial (PFC), Firstsun Capital Bancorp (FSUN), MoneyLion (ML), and Trinity Capital (TRIN). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors Bank First QCR Origin Bancorp Origin Bancorp First Bancshares Grupo Supervielle Premier Financial Firstsun Capital Bancorp MoneyLion Trinity Capital Citizens Financial Services (NASDAQ:CZFS) and Bank First (NASDAQ:BFC) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, earnings, community ranking, valuation, risk, media sentiment and analyst recommendations. Do institutionals and insiders have more ownership in CZFS or BFC? 22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 30.0% of Bank First shares are owned by institutional investors. 6.1% of Citizens Financial Services shares are owned by insiders. Comparatively, 3.4% of Bank First shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth. Is CZFS or BFC a better dividend stock? Citizens Financial Services pays an annual dividend of $1.98 per share and has a dividend yield of 3.3%. Bank First pays an annual dividend of $1.80 per share and has a dividend yield of 1.6%. Citizens Financial Services pays out 33.1% of its earnings in the form of a dividend. Bank First pays out 26.4% 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. Bank First has increased its dividend for 10 consecutive years. Do analysts recommend CZFS or BFC? Bank First has a consensus target price of $120.50, indicating a potential upside of 5.37%. Given Bank First's stronger consensus rating and higher probable upside, analysts plainly believe Bank First 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) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Bank First 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.50 Does the MarketBeat Community favor CZFS or BFC? Citizens Financial Services received 3 more outperform votes than Bank First when rated by MarketBeat users. Likewise, 69.23% of users gave Citizens Financial Services an outperform vote while only 45.45% of users gave Bank First an outperform vote. CompanyUnderperformOutperformCitizens Financial ServicesOutperform Votes1869.23% Underperform Votes830.77% Bank FirstOutperform Votes1545.45% Underperform Votes1854.55% Is CZFS or BFC more profitable? Bank First has a net margin of 29.00% compared to Citizens Financial Services' net margin of 16.39%. Bank First's return on equity of 10.53% beat Citizens Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services16.39% 9.93% 0.97% Bank First 29.00%10.53%1.56% Which has more volatility & risk, CZFS or BFC? Citizens Financial Services has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500. Comparatively, Bank First has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500. Does the media refer more to CZFS or BFC? In the previous week, Bank First had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for Bank First and 4 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.46 beat Bank First's score of 1.43 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 Bank First 3 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has better valuation & earnings, CZFS or BFC? Bank First has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Bank First, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$102.36M2.79$27.82M$5.9810.04Bank First$159.80M7.10$65.56M$6.8116.79 SummaryBank First beats Citizens Financial Services on 15 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. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart CZFS vs. The Competition Export to ExcelMetricCitizens Financial ServicesState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$285.84M$3.31B$11.69B$8.61BDividend Yield3.35%3.78%5.66%4.18%P/E Ratio10.2323.7922.9919.97Price / Sales2.793.1026.93152.58Price / Cash11.2110.6317.6034.64Price / Book1.011.202.884.68Net Income$27.82M$372.21M$1.04B$248.05M7 Day Performance1.69%1.63%1.33%2.40%1 Month Performance3.64%-1.16%1.24%6.14%1 Year Performance39.78%20.12%540.03%13.62% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services2.552 of 5 stars$60.05-2.3%N/A+46.6%$285.84M$102.36M10.23310Positive NewsDividend IncreaseBFCBank First2.4975 of 5 stars$114.92+0.1%$120.50+4.9%+46.4%$1.14B$159.80M17.68330Positive NewsHigh Trading VolumeQCRHQCR4.4385 of 5 stars$67.06+0.2%$85.33+27.2%+20.4%$1.14B$332.65M9.99920Positive NewsOBKOrigin Bancorp3.561 of 5 stars$34.98+1.1%$42.20+20.6%+20.5%$1.09B$358.20M14.221,010Positive NewsOBNKOrigin Bancorp1.4672 of 5 stars$34.61+1.8%N/A+20.5%$1.07B$347.14M10.781,010News CoverageFBMSFirst BancsharesN/A$33.75+0.3%$38.75+14.8%+41.1%$1.05B$276.99M13.83870High Trading VolumeSUPVGrupo Supervielle3.5975 of 5 stars$11.88-1.8%$13.67+15.0%+91.9%$1.05B$1.15T16.504,810PFCPremier FinancialN/A$28.04flatN/AN/A$1.00B$243.59M14.091,023FSUNFirstsun Capital Bancorp3.2053 of 5 stars$34.99+0.3%$46.00+31.5%N/A$973.88M$380.04M11.361,176Positive NewsMLMoneyLionN/A$85.90flat$90.40+5.2%N/A$972.39M$545.91M390.45560TRINTrinity Capital2.7574 of 5 stars$14.65+0.8%$15.13+3.2%-2.2%$947.14M$190.27M8.5740Positive News Related Companies and Tools Related Companies Bank First Competitors QCR Competitors Origin Bancorp Competitors Origin Bancorp Competitors First Bancshares Competitors Grupo Supervielle Competitors Premier Financial Competitors Firstsun Capital Bancorp Competitors MoneyLion Competitors Trinity Capital Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CZFS) was last updated on 6/12/2025 by MarketBeat.com Staff From Our PartnersGold is soaring. 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