Citizens Financial Services (CZFS) Competitors $61.41 -0.40 (-0.65%) Closing price 04:00 PM EasternExtended Trading$61.56 +0.15 (+0.24%) As of 04:42 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. LX, TRIN, FSUN, ATLC, OSBC, FMBH, BHRB, SBSI, AMAL, and BTBTShould you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include LexinFintech (LX), Trinity Capital (TRIN), FirstSun Capital Bancorp (FSUN), Atlanticus (ATLC), Old Second Bancorp (OSBC), First Mid Bancshares (FMBH), Burke & Herbert Financial Services (BHRB), Southside Bancshares (SBSI), Amalgamated Financial (AMAL), and Bit Digital (BTBT). These companies are all part of the "banking" industry. Citizens Financial Services vs. Its Competitors LexinFintech Trinity Capital FirstSun Capital Bancorp Atlanticus Old Second Bancorp First Mid Bancshares Burke & Herbert Financial Services Southside Bancshares Amalgamated Financial Bit Digital Citizens Financial Services (NASDAQ:CZFS) and LexinFintech (NASDAQ:LX) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their media sentiment, dividends, earnings, valuation, institutional ownership, risk, profitability and analyst recommendations. Is CZFS or LX more profitable? Citizens Financial Services has a net margin of 18.54% compared to LexinFintech's net margin of 11.50%. LexinFintech's return on equity of 14.67% beat Citizens Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services18.54% 10.36% 1.05% LexinFintech 11.50%14.67%7.17% Which has more risk & volatility, CZFS or LX? Citizens Financial Services has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500. Comparatively, LexinFintech has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Do analysts recommend CZFS or LX? LexinFintech has a consensus target price of $13.60, indicating a potential upside of 123.32%. Given LexinFintech's stronger consensus rating and higher possible upside, analysts plainly believe LexinFintech 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) 0.00LexinFintech 0 Sell rating(s) 0 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 3.00 Which has stronger earnings & valuation, CZFS or LX? LexinFintech has higher revenue and earnings than Citizens Financial Services. LexinFintech is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$169.72M1.74$27.82M$6.639.26LexinFintech$1.95B0.53$150.76M$1.274.80 Is CZFS or LX a better dividend stock? Citizens Financial Services pays an annual dividend of $1.98 per share and has a dividend yield of 3.2%. LexinFintech pays an annual dividend of $0.31 per share and has a dividend yield of 5.1%. Citizens Financial Services pays out 29.9% of its earnings in the form of a dividend. LexinFintech pays out 24.4% 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. LexinFintech is clearly the better dividend stock, given its higher yield and lower payout ratio. Does the media refer more to CZFS or LX? In the previous week, LexinFintech had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for LexinFintech and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.56 beat LexinFintech's score of 1.54 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) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive LexinFintech 4 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive Do institutionals and insiders believe in CZFS or LX? 22.5% of Citizens Financial Services shares are owned by institutional investors. 6.1% of Citizens Financial Services shares are owned by insiders. Comparatively, 27.8% of LexinFintech shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term. SummaryLexinFintech beats Citizens Financial Services on 12 of the 18 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$297.14M$964.12M$12.59B$9.91BDividend Yield3.20%2.97%5.42%4.52%P/E Ratio9.2616.98232.2926.08Price / Sales1.742.3030.9889.45Price / Cash10.3150.3322.1259.01Price / Book0.981.162.296.09Net Income$27.82M$54.23M$1.01B$266.14M7 Day Performance2.42%-0.08%0.42%0.28%1 Month Performance14.96%6.69%3.68%4.14%1 Year Performance17.17%15.79%543.58%23.93% Citizens Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZFSCitizens Financial Services3.3227 of 5 stars$61.41-0.6%N/A+23.1%$297.14M$169.72M9.26310Positive NewsDividend IncreaseLXLexinFintech3.6711 of 5 stars$6.51-3.6%$13.60+108.9%+250.9%$1.14B$1.95B5.134,667Positive NewsTRINTrinity Capital2.2232 of 5 stars$15.79-0.1%$15.75-0.3%+15.3%$1.11B$237.69M7.0840FSUNFirstSun Capital Bancorp2.3549 of 5 stars$37.490.0%$46.00+22.7%-9.7%$1.04B$549.33M11.981,142News CoveragePositive NewsATLCAtlanticus2.9087 of 5 stars$65.37-0.3%$63.20-3.3%+107.7%$991.75M$342.38M11.49330Positive NewsOSBCOld Second Bancorp3.8062 of 5 stars$18.17-1.2%$20.70+13.9%+11.7%$968.24M$341.72M9.93890News CoveragePositive NewsFMBHFirst Mid Bancshares3.1389 of 5 stars$39.82-0.8%$43.33+8.8%+3.5%$963.25M$453.67M11.311,198Positive NewsBHRBBurke & Herbert Financial Services3.3779 of 5 stars$62.53-1.8%$71.67+14.6%-1.1%$956.75M$330.23M9.08850News CoveragePositive NewsSBSISouthside BancsharesN/A$30.92-0.9%N/AN/A$929.47M$260.02M10.96810AMALAmalgamated Financial3.3743 of 5 stars$29.39-2.2%$33.00+12.3%-9.1%$904.48M$434.51M8.80380Positive NewsBTBTBit Digital3.3191 of 5 stars$2.78-3.5%$6.33+127.8%-10.8%$893.58M$155.09M-8.9710News CoveragePositive NewsAnalyst RevisionGap Up Related Companies and Tools Related Companies LexinFintech Competitors Trinity Capital Competitors FirstSun Capital Bancorp Competitors Atlanticus Competitors Old Second Bancorp Competitors First Mid Bancshares Competitors Burke & Herbert Financial Services Competitors Southside Bancshares Competitors Amalgamated Financial Competitors Bit Digital 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 9/5/2025 by MarketBeat.com Staff From Our PartnersWhy Trump’s “Smart Dollar” could rewrite the rulesMUST SEE: Donald Trump's Radical Overhaul of the U.S. Dollar Congress just approved President Trump's lates...Stansberry Research | Sponsored“Sell Nvidia before earnings”Eric Fry just went live with one of his most controversial calls yet: “Sell Nvidia.” While Wall Street has bee...InvestorPlace | SponsoredHow “Trump’s New Dollar” Could Impact Your WealthPresident Trump just signed a game-changing law… That could soon upgrade the U.S. dollar in your checking a...Brownstone Research | SponsoredForget Tesla — This Tiny AI Stock Is Musk’s Real PlayWhile Wall Street focused on Tesla’s earnings, Elon Musk was quietly building a supercomputer so powerful it c...Behind the Markets | SponsoredRetire Comfortably with These New Monthly Income ETFs?Too many retirees lie awake at night, worried their savings won’t last. 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