Citizens Financial Services (CZFS) Competitors

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

Which has more volatility & risk, OBK or CZFS?

Origin Bancorp has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500.

Which has stronger earnings & valuation, OBK or CZFS?

Origin Bancorp has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Origin Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$358.20M	2.90	$76.49M	$2.44	13.68
Citizens Financial Services	$102.36M	2.88	$27.82M	$5.98	10.37

Do insiders & institutionals believe in OBK or CZFS?

54.7% of Origin Bancorp shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 6.4% of Origin Bancorp shares are owned by insiders. Comparatively, 6.1% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Does the media prefer OBK or CZFS?

In the previous week, Origin Bancorp had 5 more articles in the media than Citizens Financial Services. MarketBeat recorded 6 mentions for Origin Bancorp and 1 mentions for Citizens Financial Services. Origin Bancorp's average media sentiment score of 1.47 beat Citizens Financial Services' score of 0.84 indicating that Origin Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Origin Bancorp	5 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Citizens Financial Services	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is OBK or CZFS a better dividend stock?

Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.8%. Citizens Financial Services pays an annual dividend of $1.98 per share and has a dividend yield of 3.2%. Origin Bancorp pays out 24.6% of its earnings in the form of a dividend. Citizens Financial Services pays out 33.1% 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.

Do analysts recommend OBK or CZFS?

Origin Bancorp presently has a consensus target price of $42.20, indicating a potential upside of 26.40%. Given Origin Bancorp's stronger consensus rating and higher possible upside, equities analysts plainly believe Origin Bancorp is more favorable than Citizens Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Origin Bancorp	0 Sell rating(s)	0 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	3.00
Citizens Financial Services	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is OBK or CZFS more profitable?

Citizens Financial Services has a net margin of 16.39% compared to Origin Bancorp's net margin of 12.34%. Citizens Financial Services' return on equity of 9.93% beat Origin Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	12.34%	6.91%	0.77%
Citizens Financial Services	16.39%	9.93%	0.97%

Does the MarketBeat Community prefer OBK or CZFS?

Origin Bancorp received 1 more outperform votes than Citizens Financial Services when rated by MarketBeat users. Likewise, 82.61% of users gave Origin Bancorp an outperform vote while only 69.23% of users gave Citizens Financial Services an outperform vote.

Company	Underperform	Outperform
Origin Bancorp	Outperform Votes 19 82.61%	Underperform Votes 4 17.39%
Citizens Financial Services	Outperform Votes 18 69.23%	Underperform Votes 8 30.77%

Summary

Origin Bancorp beats Citizens Financial Services on 15 of the 20 factors compared between the two stocks.