Citizens Financial Services (CZFS) Competitors $54.86 +1.68 (+3.16%) Closing price 10/17/2025 04:00 PM EasternExtended Trading$54.68 -0.18 (-0.33%) As of 10/17/2025 04:32 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CZFS vs. OBNK, LDI, OSBC, OPFI, BHRB, FMBH, ATLC, ESQ, LX, and SBSIShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include Origin Bancorp (OBNK), loanDepot (LDI), Old Second Bancorp (OSBC), OppFi (OPFI), Burke & Herbert Financial Services (BHRB), First Mid Bancshares (FMBH), Atlanticus (ATLC), Esquire Financial (ESQ), LexinFintech (LX), and Southside Bancshares (SBSI). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors Origin Bancorp loanDepot Old Second Bancorp OppFi Burke & Herbert Financial Services First Mid Bancshares Atlanticus Esquire Financial LexinFintech Southside Bancshares Citizens Financial Services (NASDAQ:CZFS) and Origin Bancorp (NASDAQ:OBNK) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, dividends, risk, institutional ownership, earnings, media sentiment, analyst recommendations and profitability. Does the media favor CZFS or OBNK? In the previous week, Citizens Financial Services' average media sentiment score of 1.00 beat Origin Bancorp's score of 0.76 indicating that Citizens Financial Services is being referred to more favorably in the media. Company Overall Sentiment Citizens Financial Services Positive Origin Bancorp Positive Do analysts recommend CZFS or OBNK? Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Citizens Financial Services 0 Sell rating(s) 2 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00Origin Bancorp 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Which has better earnings & valuation, CZFS or OBNK? 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. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$169.72M1.55$27.82M$6.638.27Origin Bancorp$347.14M2.91$87.71M$3.2110.23 Which has more volatility & risk, CZFS or OBNK? Citizens Financial Services has a beta of 0.47, suggesting that its share price is 53% less volatile than the S&P 500. Comparatively, Origin Bancorp has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500. Do institutionals & insiders have more ownership in CZFS or OBNK? 22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 47.2% of Origin Bancorp shares are owned by institutional investors. 6.1% of Citizens Financial Services shares are owned by insiders. Comparatively, 6.2% of Origin Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth. Is CZFS or OBNK a better dividend stock? Citizens Financial Services pays an annual dividend of $2.00 per share and has a dividend yield of 3.6%. Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.8%. Citizens Financial Services pays out 30.2% of its earnings in the form of a dividend. Origin Bancorp pays out 18.7% 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. Origin Bancorp has raised its dividend for 4 consecutive years. Is CZFS or OBNK more profitable? Origin Bancorp has a net margin of 20.47% compared to Citizens Financial Services' net margin of 18.54%. Origin Bancorp's return on equity of 10.45% beat Citizens Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services18.54% 10.36% 1.05% Origin Bancorp 20.47%10.45%0.97% SummaryOrigin Bancorp beats Citizens Financial Services on 11 of the 16 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. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. 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 ServicesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$263.73M$860.69M$12.51B$10.56BDividend Yield3.65%3.21%5.61%4.83%P/E Ratio8.2716.4028.5727.05Price / Sales1.552.0129.98132.35Price / Cash9.1522.0519.3430.35Price / Book0.871.082.246.58Net Income$27.82M$54.82M$1.02B$276.84M7 Day Performance1.11%-0.74%0.22%1.93%1 Month Performance-13.29%-5.63%-2.24%2.19%1 Year Performance-10.74%4.74%537.64%34.62% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services3.7911 of 5 stars$54.86+3.2%N/A-10.7%$263.73M$169.72M8.27310OBNKOrigin Bancorp1.65 of 5 stars$32.98-4.3%N/A-3.2%$1.02B$347.14M10.271,010News CoverageLDIloanDepot0.9443 of 5 stars$2.83-3.6%$2.85+0.9%+36.4%$934.88M$1.06B-8.564,900Insider TradeGap DownOSBCOld Second Bancorp3.7245 of 5 stars$17.43+1.1%$21.38+22.7%-0.4%$917.69M$341.72M9.52890News CoverageShort Interest ↑OPFIOppFi3.0976 of 5 stars$10.27+3.0%$13.63+32.6%+79.0%$896.98M$555.03M-7.84570BHRBBurke & Herbert Financial Services2.7881 of 5 stars$59.24-0.1%$71.50+20.7%-7.8%$889.79M$402.33M8.60850News CoverageUpcoming EarningsFMBHFirst Mid Bancshares3.2913 of 5 stars$36.21+0.7%$43.33+19.7%-10.3%$868.92M$453.67M10.291,198ATLCAtlanticus3.9218 of 5 stars$57.30+1.8%$76.60+33.7%+43.7%$866.36M$1.31B10.07330ESQEsquire Financial1.7132 of 5 stars$100.53+0.1%$100.500.0%+50.3%$858.48M$138.27M18.55110News CoverageUpcoming EarningsLXLexinFintech3.8234 of 5 stars$5.03-0.5%$13.60+170.6%+69.8%$842.14M$1.95B3.944,667SBSISouthside Bancshares1.7141 of 5 stars$27.55+0.4%N/AN/A$828.70M$456.07M9.77810 Related Companies and Tools Related Companies Origin Bancorp Competitors loanDepot Competitors Old Second Bancorp Competitors OppFi Competitors Burke & Herbert Financial Services Competitors First Mid Bancshares Competitors Atlanticus Competitors Esquire Financial Competitors LexinFintech Competitors Southside Bancshares 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 10/19/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredCapital Gains Tax Strategies for SeniorsCapital gains taxes can take a bite out of your retirement income—unless you have a smart strategy. 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