Question 1

Do analysts rate CZFS or OBK?

Accepted Answer

Origin Bancorp has a consensus target price of $58.00, indicating a potential upside of 8.88%. Given Origin Bancorp's higher probable upside, analysts plainly believe Origin Bancorp 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) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00 Origin Bancorp 0 Sell rating(s) 2 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.71

Question 2

Is CZFS or OBK a better dividend stock?

Accepted Answer

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Origin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend. Origin Bancorp pays out 31.3% 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. Origin Bancorp has increased its dividend for 4 consecutive years. Citizens Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 3

Which has preferable valuation and earnings, CZFS or OBK?

Accepted Answer

Origin Bancorp has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Origin Bancorp, 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 2.24 $36.57M $8.55 9.44 Origin Bancorp $597.80M 2.75 $75.20M $3.20 16.65

Question 4

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

Accepted Answer

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 54.7% of Origin Bancorp shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 5.3% of Origin Bancorp shares are held by 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.

Question 5

Is CZFS or OBK more profitable?

Accepted Answer

Citizens Financial Services has a net margin of 23.31% compared to Origin Bancorp's net margin of 16.26%. Citizens Financial Services' return on equity of 12.06% beat Origin Bancorp's return on equity. Company Net Margins Return on Equity Return on Assets Citizens Financial Services 23.31% 12.06% 1.33% Origin Bancorp 16.26% 7.97% 1.00%

Question 6

Which has more risk & volatility, CZFS or OBK?

Accepted Answer

Citizens Financial Services has a beta of 0.35, suggesting that its stock price is 65% less volatile than the broader market. Comparatively, Origin Bancorp has a beta of 0.72, suggesting that its stock price is 28% less volatile than the broader market.

Question 7

Does the media refer more to CZFS or OBK?

Accepted Answer

In the previous week, Citizens Financial Services and Citizens Financial Services both had 2 articles in the media. Citizens Financial Services' average media sentiment score of 1.84 beat Origin Bancorp's score of 1.17 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 Origin Bancorp 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 8

Do analysts rate CZFS or PFBC?

Accepted Answer

Preferred Bank has a consensus price target of $106.25, indicating a potential upside of 2.56%. Given Preferred Bank's higher probable upside, analysts plainly believe Preferred Bank 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) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00 Preferred Bank 0 Sell rating(s) 5 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.29

Question 9

Is CZFS or PFBC a better dividend stock?

Accepted Answer

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Preferred Bank pays an annual dividend of $3.20 per share and has a dividend yield of 3.1%. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend. Preferred Bank pays out 29.3% 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. Preferred Bank has raised its dividend for 5 consecutive years. Preferred Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Question 10

Which has higher earnings and valuation, CZFS or PFBC?

Accepted Answer

Preferred Bank has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Preferred Bank, 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 2.24 $36.57M $8.55 9.44 Preferred Bank $505.97M 2.95 $133.63M $10.94 9.47

Question 11

Do insiders & institutionals believe in CZFS or PFBC?

Accepted Answer

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 72.8% of Preferred Bank shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Question 12

Is CZFS or PFBC more profitable?

Accepted Answer

Preferred Bank has a net margin of 26.54% compared to Citizens Financial Services' net margin of 23.31%. Preferred Bank's return on equity of 17.27% beat Citizens Financial Services' return on equity. Company Net Margins Return on Equity Return on Assets Citizens Financial Services 23.31% 12.06% 1.33% Preferred Bank 26.54% 17.27% 1.77%

Question 13

Which has more volatility & risk, CZFS or PFBC?

Accepted Answer

Citizens Financial Services has a beta of 0.35, suggesting that its share price is 65% less volatile than the broader market. Comparatively, Preferred Bank has a beta of 0.56, suggesting that its share price is 44% less volatile than the broader market.

Question 14

Does the media prefer CZFS or PFBC?

Accepted Answer

In the previous week, Preferred Bank had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for Preferred Bank and 2 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.84 beat Preferred Bank's score of 1.19 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 Preferred Bank 1 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 15

Do analysts rate LKFN or CZFS?

Accepted Answer

Lakeland Financial presently has a consensus target price of $66.50, indicating a potential upside of 11.82%. Given Lakeland Financial's higher possible upside, analysts clearly believe Lakeland Financial is more favorable than Citizens Financial Services. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Lakeland Financial 0 Sell rating(s) 3 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.25 Citizens Financial Services 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00

Question 16

Is LKFN or CZFS a better dividend stock?

Accepted Answer

Lakeland Financial pays an annual dividend of $2.08 per share and has a dividend yield of 3.5%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Lakeland Financial pays out 47.7% of its earnings in the form of a dividend. Citizens Financial Services pays out 23.9% 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. Lakeland Financial has raised its dividend for 14 consecutive years. Lakeland Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Question 17

Which has better valuation and earnings, LKFN or CZFS?

Accepted Answer

Lakeland Financial has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Lakeland 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 Lakeland Financial $421.71M 3.51 $103.36M $4.36 13.64 Citizens Financial Services $173.51M 2.24 $36.57M $8.55 9.44

Question 18

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

Accepted Answer

81.2% of Lakeland Financial shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 3.0% of Lakeland Financial shares are owned by company insiders. Comparatively, 5.5% of Citizens Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Question 19

Is LKFN or CZFS more profitable?

Accepted Answer

Lakeland Financial has a net margin of 26.04% compared to Citizens Financial Services' net margin of 23.31%. Lakeland Financial's return on equity of 14.67% beat Citizens Financial Services' return on equity. Company Net Margins Return on Equity Return on Assets Lakeland Financial 26.04% 14.67% 1.58% Citizens Financial Services 23.31% 12.06% 1.33%

Question 20

Which has more risk & volatility, LKFN or CZFS?

Accepted Answer

Lakeland Financial has a beta of 0.72, indicating that its share price is 28% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.35, indicating that its share price is 65% less volatile than the broader market.

Question 21

Does the media prefer LKFN or CZFS?

Accepted Answer

In the previous week, Lakeland Financial had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for Lakeland Financial and 2 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.84 beat Lakeland Financial's score of 1.37 indicating that Citizens Financial Services is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Lakeland Financial 3 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive 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

Question 22

Do analysts prefer AMAL or CZFS?

Accepted Answer

Amalgamated Financial currently has a consensus price target of $53.50, indicating a potential upside of 9.97%. Given Amalgamated Financial's higher probable upside, analysts clearly believe Amalgamated Financial is more favorable than Citizens Financial Services. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Amalgamated Financial 0 Sell rating(s) 2 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.50 Citizens Financial Services 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00

Question 23

Is AMAL or CZFS a better dividend stock?

Accepted Answer

Amalgamated Financial pays an annual dividend of $0.68 per share and has a dividend yield of 1.4%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Amalgamated Financial pays out 18.1% of its earnings in the form of a dividend. Citizens Financial Services pays out 23.9% 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.

Question 24

Which has higher valuation and earnings, AMAL or CZFS?

Accepted Answer

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 Amalgamated Financial $453.17M 3.21 $104.45M $3.75 12.97 Citizens Financial Services $173.51M 2.24 $36.57M $8.55 9.44

Question 25

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

Accepted Answer

75.9% of Amalgamated Financial shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 1.6% of Amalgamated Financial shares are owned by company insiders. Comparatively, 5.5% of Citizens Financial Services shares are owned by company 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.

Question 26

Is AMAL or CZFS more profitable?

Accepted Answer

Amalgamated Financial has a net margin of 23.34% compared to Citizens Financial Services' net margin of 23.31%. Amalgamated Financial's return on equity of 14.30% beat Citizens Financial Services' return on equity. Company Net Margins Return on Equity Return on Assets Amalgamated Financial 23.34% 14.30% 1.27% Citizens Financial Services 23.31% 12.06% 1.33%

Question 27

Which has more volatility and risk, AMAL or CZFS?

Accepted Answer

Amalgamated Financial has a beta of 0.79, meaning that its share price is 21% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.35, meaning that its share price is 65% less volatile than the broader market.

Question 28

Does the media refer more to AMAL or CZFS?

Accepted Answer

In the previous week, Amalgamated Financial had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 3 mentions for Amalgamated Financial and 2 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.84 beat Amalgamated Financial's score of 1.32 indicating that Citizens Financial Services is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Amalgamated Financial 1 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive 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

Question 29

Do analysts rate CZFS or PEBO?

Accepted Answer

Peoples Bancorp has a consensus target price of $42.00, suggesting a potential upside of 5.79%. Given Peoples Bancorp's higher probable upside, analysts plainly believe Peoples Bancorp 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) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00 Peoples Bancorp 0 Sell rating(s) 3 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.50

Question 30

Is CZFS or PEBO a better dividend stock?

Accepted Answer

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Peoples Bancorp pays an annual dividend of $1.68 per share and has a dividend yield of 4.2%. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend. Peoples Bancorp pays out 50.8% 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. Peoples Bancorp has increased its dividend for 10 consecutive years. Peoples Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Question 31

Which has stronger earnings & valuation, CZFS or PEBO?

Accepted Answer

Peoples Bancorp has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Peoples Bancorp, 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 2.24 $36.57M $8.55 9.44 Peoples Bancorp $618.38M 2.31 $106.78M $3.31 11.99

Question 32

Do institutionals and insiders believe in CZFS or PEBO?

Accepted Answer

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 60.7% of Peoples Bancorp shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by insiders. Comparatively, 3.3% of Peoples Bancorp shares are owned 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.

Question 33

Is CZFS or PEBO more profitable?

Accepted Answer

Citizens Financial Services has a net margin of 23.31% compared to Peoples Bancorp's net margin of 19.17%. Citizens Financial Services' return on equity of 12.06% beat Peoples Bancorp's return on equity. Company Net Margins Return on Equity Return on Assets Citizens Financial Services 23.31% 12.06% 1.33% Peoples Bancorp 19.17% 10.71% 1.35%

Question 34

Which has more volatility and risk, CZFS or PEBO?

Accepted Answer

Citizens Financial Services has a beta of 0.35, indicating that its share price is 65% less volatile than the broader market. Comparatively, Peoples Bancorp has a beta of 0.61, indicating that its share price is 39% less volatile than the broader market.

Question 35

Does the media refer more to CZFS or PEBO?

Accepted Answer

In the previous week, Peoples Bancorp had 4 more articles in the media than Citizens Financial Services. MarketBeat recorded 6 mentions for Peoples Bancorp and 2 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.84 beat Peoples Bancorp's score of 1.45 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 Peoples Bancorp 4 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Metric	Citizens Financial Services	Banks Industry	Finance Sector	NASDAQ Exchange
Market Cap	$388.25M	$23.71B	$14.06B	$12.80B
Dividend Yield	2.53%	3.19%	5.89%	10.79%
P/E Ratio	9.44	27.40	26.70	24.14
Price / Sales	2.24	9.51	514.37	98.18
Price / Cash	10.93	16.06	38.50	53.12
Price / Book	1.10	1.36	2.18	6.23
Net Income	$36.57M	$2.58B	$1.31B	$348.07M
7 Day Performance	0.35%	0.41%	1.38%	0.67%
1 Month Performance	7.75%	1.57%	2.94%	4.84%
1 Year Performance	30.23%	23.10%	11.49%	16.83%

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CZFS Citizens Financial Services	3.2702 of 5 stars	$80.68 0.0%	N/A	+31.9%	$388.25M	$173.51M	9.44	310	Positive News
OBK Origin Bancorp	4.3185 of 5 stars	$52.61 -1.8%	$58.00 +10.2%	+37.5%	$1.65B	$597.80M	16.44	1,031	Positive News
PFBC Preferred Bank	2.0713 of 5 stars	$103.13 -3.3%	$106.25 +3.0%	+10.0%	$1.54B	$505.97M	9.43	280	Positive News
LKFN Lakeland Financial	3.0155 of 5 stars	$60.07 -2.3%	$66.50 +10.7%	-11.3%	$1.53B	$421.71M	13.78	650	Positive News
AMAL Amalgamated Financial	3.9078 of 5 stars	$49.05 -2.3%	$53.50 +9.1%	+64.7%	$1.50B	$453.17M	13.08	380	Positive News

Citizens Financial Services (CZFS) Competitors

CZFS vs. OBK, PFBC, LKFN, AMAL, and PEBO

How does Citizens Financial Services compare to Origin Bancorp?

Summary

How does Citizens Financial Services compare to Preferred Bank?

Summary

How does Citizens Financial Services compare to Lakeland Financial?

Summary

How does Citizens Financial Services compare to Amalgamated Financial?

Summary

How does Citizens Financial Services compare to Peoples Bancorp?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CZFS vs. The Competition

Citizens Financial Services Competitors List

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Citizens Financial Services (CZFS) Competitors

CZFS vs. OBK, PFBC, LKFN, AMAL, and PEBO

How does Citizens Financial Services compare to Origin Bancorp?

Which has more risk & volatility, CZFS or OBK?

Is CZFS or OBK more profitable?

Which has preferable valuation and earnings, CZFS or OBK?

Does the media refer more to CZFS or OBK?

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

Is CZFS or OBK a better dividend stock?

Do analysts rate CZFS or OBK?

Summary

How does Citizens Financial Services compare to Preferred Bank?

Do insiders & institutionals believe in CZFS or PFBC?

Does the media prefer CZFS or PFBC?

Do analysts rate CZFS or PFBC?

Which has higher earnings and valuation, CZFS or PFBC?

Is CZFS or PFBC more profitable?

Which has more volatility & risk, CZFS or PFBC?

Is CZFS or PFBC a better dividend stock?

Summary

How does Citizens Financial Services compare to Lakeland Financial?

Is LKFN or CZFS a better dividend stock?

Is LKFN or CZFS more profitable?

Do analysts rate LKFN or CZFS?

Does the media prefer LKFN or CZFS?

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

Which has more risk & volatility, LKFN or CZFS?

Which has better valuation and earnings, LKFN or CZFS?

Summary

How does Citizens Financial Services compare to Amalgamated Financial?

Do analysts prefer AMAL or CZFS?

Which has higher valuation and earnings, AMAL or CZFS?

Is AMAL or CZFS more profitable?

Which has more volatility and risk, AMAL or CZFS?

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

Does the media refer more to AMAL or CZFS?

Is AMAL or CZFS a better dividend stock?

Summary

How does Citizens Financial Services compare to Peoples Bancorp?

Does the media refer more to CZFS or PEBO?

Which has stronger earnings & valuation, CZFS or PEBO?

Do analysts rate CZFS or PEBO?

Which has more volatility and risk, CZFS or PEBO?

Do institutionals and insiders believe in CZFS or PEBO?

Is CZFS or PEBO a better dividend stock?

Is CZFS or PEBO more profitable?

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