Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$71.00 +1.49 (+2.14%)
Closing price 06/24/2026 04:00 PM Eastern
Extended Trading
$71.00 +0.00 (+0.00%)
As of 04:55 AM Eastern
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CZFS vs. WLTH, PGY, FMBH, FINV, and LU

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 Wealthfront (WLTH), Pagaya Technologies (PGY), First Mid Bancshares (FMBH), PPDAI Group (FINV), and Lufax (LU). These companies are all part of the "banking" industry.

How does Citizens Financial Services compare to Wealthfront?

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

In the previous week, Wealthfront had 15 more articles in the media than Citizens Financial Services. MarketBeat recorded 16 mentions for Wealthfront and 1 mentions for Citizens Financial Services. Wealthfront's average media sentiment score of 0.09 beat Citizens Financial Services' score of 0.00 indicating that Wealthfront is being referred to more favorably in the media.

Company Overall Sentiment
Wealthfront Neutral
Citizens Financial Services Neutral

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

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

Wealthfront presently has a consensus target price of $12.75, suggesting a potential upside of 57.99%. Given Wealthfront's higher possible upside, equities research analysts clearly believe Wealthfront is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Wealthfront
1 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.33
Citizens Financial Services
0 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.67

22.5% of Citizens Financial Services shares are owned by institutional investors. 27.4% of Wealthfront shares are owned by insiders. Comparatively, 5.5% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Wealthfront$364.99M3.30N/AN/AN/A
Citizens Financial Services$173.51M1.96$36.57M$8.198.67

Summary

Wealthfront beats Citizens Financial Services on 7 of the 13 factors compared between the two stocks.

How does Citizens Financial Services compare to Pagaya Technologies?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M1.96$36.57M$8.198.67
Pagaya Technologies$1.30B0.97$81.39M$1.0714.18

Pagaya Technologies has a consensus target price of $34.50, indicating a potential upside of 127.45%. Given Pagaya Technologies' stronger consensus rating and higher probable upside, analysts clearly believe Pagaya Technologies 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
Pagaya Technologies
0 Sell rating(s)
1 Hold rating(s)
8 Buy rating(s)
3 Strong Buy rating(s)
3.17

Citizens Financial Services has a beta of 0.38, meaning that its share price is 62% less volatile than the broader market. Comparatively, Pagaya Technologies has a beta of 5.35, meaning that its share price is 435% more volatile than the broader market.

In the previous week, Pagaya Technologies had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Pagaya Technologies and 1 mentions for Citizens Financial Services. Pagaya Technologies' average media sentiment score of 0.23 beat Citizens Financial Services' score of 0.00 indicating that Pagaya Technologies is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Financial Services Neutral
Pagaya Technologies Neutral

Citizens Financial Services has a net margin of 22.47% compared to Pagaya Technologies' net margin of 7.39%. Pagaya Technologies' return on equity of 44.75% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services22.47% 11.89% 1.30%
Pagaya Technologies 7.39%44.75%15.97%

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 57.1% of Pagaya Technologies shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 47.6% of Pagaya Technologies shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Pagaya Technologies beats Citizens Financial Services on 14 of the 17 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 compare the two companies based on the strength of their earnings, media sentiment, dividends, valuation, analyst recommendations, institutional ownership, risk and profitability.

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.9%. First Mid Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.1%. Citizens Financial Services pays out 24.9% 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 raised its dividend for 3 consecutive years. Citizens Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

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 0.8, suggesting that its share price is 20% less volatile than the broader market.

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M1.96$36.57M$8.198.67
First Mid Bancshares$466.04M2.72$91.75M$3.9711.99

In the previous week, Citizens Financial Services had 1 more articles in the media than First Mid Bancshares. MarketBeat recorded 1 mentions for Citizens Financial Services and 0 mentions for First Mid Bancshares. Citizens Financial Services' average media sentiment score of 0.00 equaled First Mid Bancshares'average media sentiment score.

Company Overall Sentiment
Citizens Financial Services Neutral
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 Services22.47% 11.89% 1.30%
First Mid Bancshares 19.95%10.44%1.23%

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 47.6% of First Mid Bancshares shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 6.0% of First Mid Bancshares 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.

First Mid Bancshares has a consensus target price of $49.50, indicating a potential upside of 3.95%. Given First Mid Bancshares' higher possible upside, analysts clearly 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

Summary

First Mid Bancshares beats Citizens Financial Services on 10 of the 19 factors compared between the two stocks.

How does Citizens Financial Services compare to PPDAI Group?

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

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 31.2% of PPDAI Group shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 44.0% of PPDAI Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

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
PPDAI Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, Citizens Financial Services and Citizens Financial Services both had 1 articles in the media. Citizens Financial Services' average media sentiment score of 0.00 equaled PPDAI Group'saverage media sentiment score.

Company Overall Sentiment
Citizens Financial Services Neutral
PPDAI Group Neutral

Citizens Financial Services has a net margin of 22.47% compared to PPDAI Group's net margin of 16.58%. PPDAI Group's return on equity of 14.22% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services22.47% 11.89% 1.30%
PPDAI Group 16.58%14.22%9.15%

PPDAI Group has higher revenue and earnings than Citizens Financial Services. PPDAI Group 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 Ratio
Citizens Financial Services$173.51M1.96$36.57M$8.198.67
PPDAI Group$1.94B0.61$363.56M$1.194.08

Citizens Financial Services has a beta of 0.38, indicating that its share price is 62% less volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market.

Summary

Citizens Financial Services beats PPDAI Group on 7 of the 13 factors compared between the two stocks.

How does Citizens Financial Services compare to Lufax?

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

In the previous week, Lufax and Lufax both had 1 articles in the media. Citizens Financial Services' average media sentiment score of 0.00 beat Lufax's score of -0.71 indicating that Citizens Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Lufax Negative
Citizens Financial Services Neutral

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

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

Citizens Financial Services has lower revenue, but higher earnings than Lufax. Lufax 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 Ratio
Lufax$3.77B0.30-$291.79M-$0.78N/A
Citizens Financial Services$173.51M1.96$36.57M$8.198.67

Lufax has a beta of 0.76, meaning that its stock price is 24% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.38, meaning that its stock price is 62% less volatile than the broader market.

Lufax presently has a consensus target price of $2.00, suggesting a potential upside of 55.64%. Given Lufax's higher probable upside, analysts clearly believe Lufax is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lufax
1 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.67
Citizens Financial Services
0 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.67

69.1% of Lufax shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Citizens Financial Services beats Lufax on 11 of the 15 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.
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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.
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CZFS vs. The Competition

MetricCitizens Financial ServicesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$333.99M$1.18B$13.95B$12.32B
Dividend Yield2.93%2.54%5.73%5.88%
P/E Ratio8.6719.1620.2823.95
Price / Sales1.962.43142.98107.90
Price / Cash9.4225.3319.4853.76
Price / Book1.011.272.246.41
Net Income$36.57M$75.93M$1.14B$337.14M
7 Day Performance4.47%2.08%0.15%-1.07%
1 Month Performance11.64%5.51%1.11%0.48%
1 Year Performance24.56%31.83%15.70%28.42%

Citizens Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
2.2642 of 5 stars
$71.00
+2.1%
N/A+22.5%$333.99M$173.51M8.67310
WLTH
Wealthfront
3.6782 of 5 stars
$8.43
-0.1%
$12.75
+51.2%
N/A$1.26B$370.96MN/A359
PGY
Pagaya Technologies
4.8039 of 5 stars
$15.03
-3.7%
$34.50
+129.5%
-24.0%$1.25B$1.30B14.05800
FMBH
First Mid Bancshares
3.7092 of 5 stars
$45.55
-1.0%
$49.50
+8.7%
+29.3%$1.21B$355.25M11.471,170
FINV
PPDAI Group
1.6722 of 5 stars
$4.82
-0.2%
N/A-50.5%$1.17B$13.34B4.053,869

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This page (NASDAQ:CZFS) was last updated on 6/25/2026 by MarketBeat.com Staff.
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