Citizens Financial Services (CZFS) Competitors $58.86 -0.39 (-0.66%) Closing price 08/14/2025 04:00 PM EasternExtended Trading$58.92 +0.05 (+0.09%) As of 08/14/2025 04:20 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. FSUN, TRIN, OPFI, FMBH, DEFT, SUPV, AMAL, BTBT, SBSI, and CNOBShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include FirstSun Capital Bancorp (FSUN), Trinity Capital (TRIN), OppFi (OPFI), First Mid Bancshares (FMBH), DeFi Technologies (DEFT), Grupo Supervielle (SUPV), Amalgamated Financial (AMAL), Bit Digital (BTBT), Southside Bancshares (SBSI), and ConnectOne Bancorp (CNOB). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors FirstSun Capital Bancorp Trinity Capital OppFi First Mid Bancshares DeFi Technologies Grupo Supervielle Amalgamated Financial Bit Digital Southside Bancshares ConnectOne Bancorp FirstSun Capital Bancorp (NASDAQ:FSUN) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, valuation, institutional ownership, earnings, media sentiment, dividends, profitability and analyst recommendations. Does the media prefer FSUN or CZFS? In the previous week, FirstSun Capital Bancorp had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for FirstSun Capital Bancorp and 1 mentions for Citizens Financial Services. FirstSun Capital Bancorp's average media sentiment score of 1.22 beat Citizens Financial Services' score of 1.22 indicating that FirstSun Capital Bancorp is being referred to more favorably in the media. Company Overall Sentiment FirstSun Capital Bancorp Positive Citizens Financial Services Positive Which has higher earnings and valuation, FSUN or CZFS? FirstSun Capital Bancorp has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioFirstSun Capital Bancorp$549.33M1.84$75.63M$3.1311.60Citizens Financial Services$169.72M1.67$27.82M$6.638.88 Is FSUN or CZFS more profitable? Citizens Financial Services has a net margin of 18.54% compared to FirstSun Capital Bancorp's net margin of 15.99%. Citizens Financial Services' return on equity of 10.36% beat FirstSun Capital Bancorp's return on equity.Company Net Margins Return on Equity Return on Assets FirstSun Capital Bancorp15.99% 9.24% 1.19% Citizens Financial Services 18.54%10.36%1.05% Do analysts prefer FSUN or CZFS? FirstSun Capital Bancorp presently has a consensus price target of $46.00, indicating a potential upside of 26.69%. Given FirstSun Capital Bancorp's stronger consensus rating and higher probable upside, research analysts clearly believe FirstSun Capital Bancorp is more favorable than Citizens Financial Services.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score FirstSun Capital Bancorp 0 Sell rating(s) 0 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 3.00Citizens Financial Services 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Do institutionals and insiders believe in FSUN or CZFS? 22.5% of Citizens Financial Services shares are held by institutional investors. 12.5% of FirstSun Capital Bancorp shares are held by company insiders. Comparatively, 6.1% of Citizens Financial Services shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth. SummaryFirstSun Capital Bancorp beats Citizens Financial Services on 11 of the 15 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$284.83M$887.94M$12.42B$9.84BDividend Yield3.34%3.08%5.54%4.07%P/E Ratio8.8816.0819.6925.74Price / Sales1.672.1025.78115.79Price / Cash9.8949.4621.7659.48Price / Book0.901.092.296.15Net Income$27.82M$53.98M$1.00B$265.06M7 Day Performance10.12%3.32%1.75%2.60%1 Month Performance-0.99%1.62%2.42%2.83%1 Year Performance22.63%16.27%542.40%25.58% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services2.8858 of 5 stars$58.86-0.7%N/A+32.1%$284.83M$169.72M8.88310Positive NewsFSUNFirstSun Capital Bancorp3.4251 of 5 stars$34.64-0.6%$46.00+32.8%-15.2%$969.72M$549.33M11.071,142TRINTrinity Capital2.3563 of 5 stars$14.95+0.3%$15.38+2.8%+13.3%$963.94M$237.69M6.8340Positive NewsAnalyst ForecastOPFIOppFi3.7106 of 5 stars$10.25-1.4%$13.63+32.9%+136.9%$902.80M$525.96M-27.70570Insider TradeFMBHFirst Mid Bancshares3.2211 of 5 stars$37.81+0.9%$43.33+14.6%+5.1%$898.63M$453.67M10.741,198DEFTDeFi TechnologiesN/A$2.68+1.9%$6.25+133.2%N/A$888.45M$40.30M9.2420Earnings ReportSUPVGrupo Supervielle3.843 of 5 stars$10.40+4.5%$13.67+31.5%+37.6%$880.92M$2.05B14.053,456News CoverageEarnings ReportGap DownAMALAmalgamated Financial3.1715 of 5 stars$28.89+1.3%$38.50+33.3%+2.6%$872.11M$434.51M8.65380Positive NewsBTBTBit Digital3.0448 of 5 stars$3.12+14.7%$6.33+103.0%+10.0%$870.30M$108.05M-6.6410Trending NewsUpcoming EarningsSBSISouthside BancsharesN/A$28.92+0.8%N/AN/A$863M$456.07M10.26810News CoverageCNOBConnectOne Bancorp4.6817 of 5 stars$22.68+2.0%$30.25+33.4%+13.4%$855.57M$534.62M26.07520Positive News Related Companies and Tools Related Companies FirstSun Capital Bancorp Competitors Trinity Capital Competitors OppFi Competitors First Mid Bancshares Competitors DeFi Technologies Competitors Grupo Supervielle Competitors Amalgamated Financial Competitors Bit Digital Competitors Southside Bancshares Competitors ConnectOne Bancorp 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 8/15/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. 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