CZFS vs. TRIN, OBK, FSUN, OBNK, ATLC, OPFI, BTBT, WYFI, LX, and BHRB
Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include Trinity Capital (TRIN), Origin Bancorp (OBK), FirstSun Capital Bancorp (FSUN), Origin Bancorp (OBNK), Atlanticus (ATLC), OppFi (OPFI), Bit Digital (BTBT), WhiteFiber (WYFI), LexinFintech (LX), and Burke & Herbert Financial Services (BHRB). These companies are all part of the "banking" industry.
Citizens Financial Services vs. Its Competitors
Trinity Capital (NASDAQ:TRIN) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, dividends, analyst recommendations, risk, institutional ownership, earnings, media sentiment and valuation.
Trinity Capital presently has a consensus price target of $15.75, suggesting a potential downside of 0.03%. Given Trinity Capital's stronger consensus rating and higher probable upside, equities research analysts clearly believe Trinity Capital is more favorable than Citizens Financial Services.
Trinity Capital has higher revenue and earnings than Citizens Financial Services. Trinity Capital 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.
Trinity Capital has a net margin of 51.88% compared to Citizens Financial Services' net margin of 18.54%. Trinity Capital's return on equity of 15.72% beat Citizens Financial Services' return on equity.
Trinity Capital has a beta of 0.54, indicating that its stock price is 46% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.
24.6% of Trinity Capital shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 6.4% of Trinity Capital shares are held by insiders. Comparatively, 6.1% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
In the previous week, Trinity Capital had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 6 mentions for Trinity Capital and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.60 beat Trinity Capital's score of 0.68 indicating that Citizens Financial Services is being referred to more favorably in the news media.
Trinity Capital pays an annual dividend of $2.04 per share and has a dividend yield of 12.9%. Citizens Financial Services pays an annual dividend of $2.00 per share and has a dividend yield of 3.3%. Trinity Capital pays out 91.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Citizens Financial Services pays out 30.2% of its earnings in the form of a dividend. Trinity Capital has raised its dividend for 1 consecutive years. Trinity Capital is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary
Trinity Capital beats Citizens Financial Services on 15 of the 19 factors compared between the two stocks.
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New MarketBeat Followers Over Time
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.
Media Sentiment Over Time
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.
Citizens Financial Services Competitors List
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This page (NASDAQ:CZFS) was last updated on 9/29/2025 by MarketBeat.com Staff
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