Citizens Financial Services (CZFS) Competitors $58.00 -0.23 (-0.39%) Closing price 04:00 PM EasternExtended Trading$57.90 -0.10 (-0.18%) As of 04:11 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 AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock CZFS vs. DEFT, FSUN, LX, OPFI, AMAL, TRIN, CNOB, BHRB, SBSI, and FMBHShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include DeFi Technologies (DEFT), FirstSun Capital Bancorp (FSUN), LexinFintech (LX), OppFi (OPFI), Amalgamated Financial (AMAL), Trinity Capital (TRIN), ConnectOne Bancorp (CNOB), Burke & Herbert Financial Services (BHRB), Southside Bancshares (SBSI), and First Mid Bancshares (FMBH). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors DeFi Technologies FirstSun Capital Bancorp LexinFintech OppFi Amalgamated Financial Trinity Capital ConnectOne Bancorp Burke & Herbert Financial Services Southside Bancshares First Mid Bancshares Citizens Financial Services (NASDAQ:CZFS) and DeFi Technologies (NASDAQ:DEFT) are both small-cap banking companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, valuation, media sentiment, earnings, analyst recommendations, risk, institutional ownership and dividends. Does the media prefer CZFS or DEFT? In the previous week, DeFi Technologies had 5 more articles in the media than Citizens Financial Services. MarketBeat recorded 8 mentions for DeFi Technologies and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.20 beat DeFi Technologies' score of 0.46 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 1 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive DeFi Technologies 1 Very Positive mention(s) 1 Positive mention(s) 5 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Do insiders & institutionals hold more shares of CZFS or DEFT? 22.5% of Citizens Financial Services shares are held by institutional investors. 6.1% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term. Which has more volatility & risk, CZFS or DEFT? Citizens Financial Services has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, DeFi Technologies has a beta of 4.02, meaning that its share price is 302% more volatile than the S&P 500. Do analysts rate CZFS or DEFT? DeFi Technologies has a consensus price target of $6.25, suggesting a potential upside of 116.26%. Given DeFi Technologies' stronger consensus rating and higher possible upside, analysts clearly believe DeFi Technologies 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) 0.00DeFi Technologies 0 Sell rating(s) 0 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 3.00 Is CZFS or DEFT more profitable? DeFi Technologies has a net margin of 62.45% compared to Citizens Financial Services' net margin of 16.79%. DeFi Technologies' return on equity of 171.79% beat Citizens Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services16.79% 9.83% 0.98% DeFi Technologies 62.45%171.79%18.71% Which has preferable valuation & earnings, CZFS or DEFT? Citizens Financial Services has higher revenue and earnings than DeFi Technologies. Citizens Financial Services is trading at a lower price-to-earnings ratio than DeFi Technologies, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$169.72M1.63$27.82M$5.989.70DeFi Technologies$40.30M24.23-$28.50M$0.299.97 SummaryDeFi Technologies beats Citizens Financial Services on 10 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. 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 ServicesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$277.16M$878.08M$12.29B$9.51BDividend Yield3.40%3.16%5.55%4.01%P/E Ratio9.7016.1317.9020.14Price / Sales1.632.0026.03104.37Price / Cash9.7248.6121.6358.56Price / Book0.921.112.205.87Net Income$27.82M$54.19M$997.25M$258.55M7 Day Performance-1.69%-0.83%0.89%2.23%1 Month Performance1.75%4.92%4.37%12.76%1 Year Performance5.55%9.94%540.78%19.36% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services3.7281 of 5 stars$58.00-0.4%N/A+10.7%$277.16M$169.72M9.70310News CoveragePositive NewsUpcoming EarningsGap UpDEFTDeFi TechnologiesN/A$3.30+0.9%$6.25+89.4%N/A$1.10B$40.30M11.3820Gap DownHigh Trading VolumeFSUNFirstSun Capital Bancorp2.8553 of 5 stars$39.39+0.6%$46.00+16.8%+5.0%$1.09B$549.33M12.791,142Upcoming EarningsLXLexinFintech4.0154 of 5 stars$7.06+11.7%$13.60+92.6%+318.5%$1.06B$1.95B6.664,667News CoveragePositive NewsBuyback AnnouncementHigh Trading VolumeOPFIOppFi2.0649 of 5 stars$11.45-1.7%$13.63+19.0%+185.7%$1.01B$525.96M-30.93570Positive NewsAMALAmalgamated Financial3.4912 of 5 stars$33.10+0.3%$38.50+16.3%-4.3%$1.01B$434.51M9.82380Trending NewsEarnings ReportDividend AnnouncementTRINTrinity Capital1.9688 of 5 stars$14.83-0.9%$15.38+3.7%+5.5%$967.82M$237.69M6.7740CNOBConnectOne Bancorp4.8766 of 5 stars$24.93-0.8%$28.50+14.3%+4.8%$966.75M$534.62M13.48520Positive NewsUpcoming EarningsBHRBBurke & Herbert Financial Services2.8628 of 5 stars$64.09-0.3%$72.00+12.3%-0.5%$965M$402.33M18.26850News CoverageEarnings ReportDividend AnnouncementGap UpSBSISouthside BancsharesN/A$31.00-0.1%N/AN/A$937.84M$456.07M10.65810Earnings ReportFMBHFirst Mid Bancshares3.594 of 5 stars$38.83-0.1%$43.83+12.9%+1.0%$932.69M$453.67M11.561,198News CoveragePositive NewsUpcoming EarningsDividend IncreaseAnalyst Forecast Related Companies and Tools Related Companies DeFi Technologies Competitors FirstSun Capital Bancorp Competitors LexinFintech Competitors OppFi Competitors Amalgamated Financial Competitors Trinity Capital Competitors ConnectOne Bancorp Competitors Burke & Herbert Financial Services Competitors Southside Bancshares Competitors First Mid 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 7/25/2025 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 | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredGoogle did what!?!?A new technology has sparked a modern-day gold rush in Silicon Valley. 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