Citizens Financial Services (CZFS) Competitors

$63.11 +0.54 (+0.86%)

Closing price 04:00 PM Eastern

Extended Trading

$63.10 -0.01 (-0.02%)

As of 04:10 PM Eastern

CZFS vs. AMAL, ABTC, ATLC, AGBK, and FMBH

Should you buy Citizens Financial Services stock or one of its competitors? MarketBeat compares Citizens Financial Services with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Citizens Financial Services include Amalgamated Financial (AMAL), American Bitcoin (ABTC), Atlanticus (ATLC), AGI (AGBK), and First Mid Bancshares (FMBH). These companies are all part of the "banking" industry.

How does Citizens Financial Services compare to Amalgamated Financial?

Citizens Financial Services (NASDAQ:CZFS) and Amalgamated Financial (NASDAQ:AMAL) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, earnings, valuation, profitability, dividends, institutional ownership, analyst recommendations and media sentiment.

Amalgamated Financial has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Amalgamated Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$173.51M	1.75	$36.57M	$8.19	7.71
Amalgamated Financial	$453.17M	2.62	$104.45M	$3.44	11.53

Citizens Financial Services has a net margin of 22.47% compared to Amalgamated Financial's net margin of 22.33%. Amalgamated Financial's return on equity of 13.89% beat Citizens Financial Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	22.47%	11.89%	1.30%
Amalgamated Financial	22.33%	13.89%	1.23%

Citizens Financial Services pays an annual dividend of $2.00 per share and has a dividend yield of 3.2%. Amalgamated Financial pays an annual dividend of $0.68 per share and has a dividend yield of 1.7%. Citizens Financial Services pays out 24.4% of its earnings in the form of a dividend. Amalgamated Financial pays out 19.8% 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. Amalgamated Financial has increased its dividend for 4 consecutive years.

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 75.9% of Amalgamated Financial shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 1.6% of Amalgamated Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

In the previous week, Amalgamated Financial had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for Amalgamated Financial and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.44 beat Amalgamated Financial's score of 1.22 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens Financial Services	Positive
Amalgamated Financial	Positive

Amalgamated Financial has a consensus target price of $44.00, suggesting a potential upside of 10.89%. Given Amalgamated Financial's higher probable upside, analysts plainly believe Amalgamated Financial 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)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67
Amalgamated Financial	1 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00

Citizens Financial Services has a beta of 0.38, suggesting that its share price is 62% less volatile than the broader market. Comparatively, Amalgamated Financial has a beta of 0.81, suggesting that its share price is 19% less volatile than the broader market.

Summary

Amalgamated Financial beats Citizens Financial Services on 12 of the 20 factors compared between the two stocks.

How does Citizens Financial Services compare to American Bitcoin?

Citizens Financial Services (NASDAQ:CZFS) and American Bitcoin (NASDAQ:ABTC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, earnings, valuation, profitability, dividends, institutional ownership, analyst recommendations and media sentiment.

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 10.2% of American Bitcoin shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by company insiders. Comparatively, 15.0% of American Bitcoin shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Citizens Financial Services has a beta of 0.38, suggesting that its stock price is 62% less volatile than the broader market. Comparatively, American Bitcoin has a beta of 3.8, suggesting that its stock price is 280% more volatile than the broader market.

Citizens Financial Services has higher earnings, but lower revenue than American Bitcoin. American Bitcoin 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$173.51M	1.75	$36.57M	$8.19	7.71
American Bitcoin	$185.16M	6.37	-$153.17M	-$0.50	N/A

American Bitcoin has a consensus target price of $4.00, suggesting a potential upside of 260.36%. Given American Bitcoin's higher probable upside, analysts plainly believe American Bitcoin 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)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67
American Bitcoin	1 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.25

Citizens Financial Services has a net margin of 22.47% compared to American Bitcoin's net margin of -69.42%. Citizens Financial Services' return on equity of 11.89% beat American Bitcoin's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	22.47%	11.89%	1.30%
American Bitcoin	-69.42%	-29.72%	-15.38%

In the previous week, American Bitcoin had 4 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for American Bitcoin and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.44 beat American Bitcoin's score of 0.09 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens Financial Services	Positive
American Bitcoin	Neutral

Summary

Citizens Financial Services beats American Bitcoin on 10 of the 17 factors compared between the two stocks.

How does Citizens Financial Services compare to Atlanticus?

Citizens Financial Services (NASDAQ:CZFS) and Atlanticus (NASDAQ:ATLC) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, valuation, earnings, profitability, institutional ownership, media sentiment, risk and dividends.

Citizens Financial Services has a beta of 0.38, indicating that its stock price is 62% less volatile than the broader market. Comparatively, Atlanticus has a beta of 2.14, indicating that its stock price is 114% more volatile than the broader market.

In the previous week, Atlanticus had 4 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for Atlanticus and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.44 beat Atlanticus' score of 0.65 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens Financial Services	Positive
Atlanticus	Positive

Citizens Financial Services has a net margin of 22.47% compared to Atlanticus' net margin of 5.86%. Atlanticus' return on equity of 23.43% beat Citizens Financial Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	22.47%	11.89%	1.30%
Atlanticus	5.86%	23.43%	2.17%

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 14.2% of Atlanticus shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by company insiders. Comparatively, 51.0% of Atlanticus shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Atlanticus has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Atlanticus, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$173.51M	1.75	$36.57M	$8.19	7.71
Atlanticus	$1.97B	0.59	$122.20M	$6.70	11.52

Atlanticus has a consensus target price of $101.67, indicating a potential upside of 31.76%. Given Atlanticus' stronger consensus rating and higher probable upside, analysts plainly believe Atlanticus 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)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67
Atlanticus	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	1 Strong Buy rating(s)	3.00

Summary

Atlanticus beats Citizens Financial Services on 11 of the 16 factors compared between the two stocks.

How does Citizens Financial Services compare to AGI?

Citizens Financial Services (NASDAQ:CZFS) and AGI (NYSE:AGBK) are both small-cap banking companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, media sentiment, valuation and risk.

In the previous week, AGI had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for AGI and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.44 beat AGI's score of 0.78 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens Financial Services	Positive
AGI	Positive

Citizens Financial Services has a net margin of 22.47% compared to AGI's net margin of 0.00%. Citizens Financial Services' return on equity of 11.89% beat AGI's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	22.47%	11.89%	1.30%
AGI	N/A	N/A	N/A

22.5% of Citizens Financial Services shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

AGI has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than AGI, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$173.51M	1.75	$36.57M	$8.19	7.71
AGI	$6.36B	0.18	$49.58M	$0.31	23.40

AGI has a consensus target price of $15.86, indicating a potential upside of 118.60%. Given AGI's higher probable upside, analysts plainly believe AGI 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)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67
AGI	1 Sell rating(s)	2 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.56

Summary

Citizens Financial Services beats AGI on 10 of the 16 factors compared between the two stocks.

How does Citizens Financial Services compare to First Mid Bancshares?

Citizens Financial Services (NASDAQ:CZFS) and First Mid Bancshares (NASDAQ:FMBH) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, media sentiment, valuation and risk.

Citizens Financial Services pays an annual dividend of $2.00 per share and has a dividend yield of 3.2%. First Mid Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.4%. Citizens Financial Services pays out 24.4% of its earnings in the form of a dividend. First Mid Bancshares pays out 25.2% 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. First Mid Bancshares has increased its dividend for 3 consecutive years. Citizens Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

First Mid Bancshares has a consensus target price of $49.50, indicating a potential upside of 18.45%. Given First Mid Bancshares' higher probable upside, analysts plainly believe First Mid Bancshares 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)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67
First Mid Bancshares	0 Sell rating(s)	3 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.50

In the previous week, First Mid Bancshares had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for First Mid Bancshares and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.44 beat First Mid Bancshares' score of 0.46 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens Financial Services	Positive
First Mid Bancshares	Neutral

Citizens Financial Services has a net margin of 22.47% compared to First Mid Bancshares' net margin of 19.95%. Citizens Financial Services' return on equity of 11.89% beat First Mid Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	22.47%	11.89%	1.30%
First Mid Bancshares	19.95%	10.44%	1.23%

First Mid Bancshares has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than First Mid Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$173.51M	1.75	$36.57M	$8.19	7.71
First Mid Bancshares	$466.04M	2.39	$91.75M	$3.97	10.53

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 47.6% of First Mid Bancshares shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by company insiders. Comparatively, 6.0% of First Mid Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Citizens Financial Services has a beta of 0.38, suggesting that its share price is 62% less volatile than the broader market. Comparatively, First Mid Bancshares has a beta of 0.79, suggesting that its share price is 21% less volatile than the broader market.

Summary

First Mid Bancshares beats Citizens Financial Services on 11 of the 20 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.

CZFS vs. The Competition

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Metric	Citizens Financial Services	BANKS Industry	Finance Sector	NASDAQ Exchange
Market Cap	$302.93M	$1.06B	$13.35B	$12.27B
Dividend Yield	3.18%	2.73%	5.84%	5.35%
P/E Ratio	7.71	16.42	23.00	25.24
Price / Sales	1.75	2.28	173.76	73.15
Price / Cash	8.53	23.59	20.45	56.33
Price / Book	0.88	1.13	2.12	6.90
Net Income	$36.57M	$75.93M	$1.11B	$333.88M
7 Day Performance	-1.08%	-2.58%	-1.56%	0.02%
1 Month Performance	-4.52%	-1.24%	-0.67%	1.75%
1 Year Performance	4.09%	18.82%	9.61%	32.64%

Citizens Financial Services Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CZFS Citizens Financial Services	3.0621 of 5 stars	$63.11 +0.9%	N/A	+5.8%	$302.93M	$173.51M	7.71	310	Positive News
AMAL Amalgamated Financial	4.2101 of 5 stars	$40.01 -2.2%	$44.00 +10.0%	+30.8%	$1.20B	$453.17M	11.63	380	Positive News
ABTC American Bitcoin	3.7807 of 5 stars	$1.12 -1.8%	$4.00 +257.1%	-68.8%	$1.19B	$185.16M	N/A	200	Gap Down
ATLC Atlanticus	4.6194 of 5 stars	$76.32 -1.6%	$101.67 +33.2%	+39.8%	$1.15B	$1.97B	11.39	330	Analyst Forecast
AGBK AGI	3.1221 of 5 stars	$7.20 -4.8%	$15.86 +120.1%	N/A	$1.15B	$6.36B	23.24	5,062	Analyst Forecast High Trading Volume

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This page (NASDAQ:CZFS) was last updated on 5/15/2026 by MarketBeat.com Staff.

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Citizens Financial Services (CZFS) Competitors

CZFS vs. AMAL, ABTC, ATLC, AGBK, and FMBH

How does Citizens Financial Services compare to Amalgamated Financial?

Summary

How does Citizens Financial Services compare to American Bitcoin?

Summary

How does Citizens Financial Services compare to Atlanticus?

Summary

How does Citizens Financial Services compare to AGI?

Summary

How does Citizens Financial Services compare to First Mid Bancshares?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CZFS vs. The Competition

Citizens Financial Services Competitors List

Related Companies and Tools

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

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Citizens Financial Services (CZFS) Competitors

CZFS vs. AMAL, ABTC, ATLC, AGBK, and FMBH

How does Citizens Financial Services compare to Amalgamated Financial?

Which has preferable earnings & valuation, CZFS or AMAL?

Is CZFS or AMAL more profitable?

Is CZFS or AMAL a better dividend stock?

Do institutionals and insiders hold more shares of CZFS or AMAL?

Does the media prefer CZFS or AMAL?

Do analysts rate CZFS or AMAL?

Which has more risk & volatility, CZFS or AMAL?

Summary

How does Citizens Financial Services compare to American Bitcoin?

Do insiders & institutionals hold more shares of CZFS or ABTC?

Which has more risk & volatility, CZFS or ABTC?

Which has stronger valuation & earnings, CZFS or ABTC?

Do analysts rate CZFS or ABTC?

Is CZFS or ABTC more profitable?

Does the media favor CZFS or ABTC?

Summary

How does Citizens Financial Services compare to Atlanticus?

Which has more risk & volatility, CZFS or ATLC?

Does the media favor CZFS or ATLC?

Is CZFS or ATLC more profitable?

Do institutionals and insiders believe in CZFS or ATLC?

Which has better valuation & earnings, CZFS or ATLC?

Do analysts recommend CZFS or ATLC?

Summary

How does Citizens Financial Services compare to AGI?

Does the media prefer CZFS or AGBK?

Is CZFS or AGBK more profitable?

Do insiders & institutionals believe in CZFS or AGBK?

Which has preferable valuation and earnings, CZFS or AGBK?

Do analysts recommend CZFS or AGBK?

Summary

How does Citizens Financial Services compare to First Mid Bancshares?

Is CZFS or FMBH a better dividend stock?

Do analysts recommend CZFS or FMBH?

Does the media favor CZFS or FMBH?

Is CZFS or FMBH more profitable?

Which has higher valuation & earnings, CZFS or FMBH?

Do insiders & institutionals have more ownership in CZFS or FMBH?

Which has more volatility and risk, CZFS or FMBH?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CZFS vs. The Competition

Citizens Financial Services Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools