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Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$79.65 +0.13 (+0.16%)
Closing price 10/6/2026 04:00 PM Eastern
Extended Trading
$78.96 -0.70 (-0.87%)
As of 09:09 AM 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 Massive. Learn more.

CZFS vs. CTBI, HBCP, MBWM, UCB, and PFBC

Should you buy Citizens Financial Services stock or one of its competitors? Citizens Financial Services's main competitors and comparable companies include Community Trust Bancorp (CTBI), Home Bancorp (HBCP), Mercantile Bank (MBWM), United Community Banks (UCB), and Preferred Bank (PFBC). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Citizens Financial Services compare to Community Trust Bancorp?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M2.21$36.57M$8.559.32
Community Trust Bancorp$298.90M4.63$98.06M$5.9712.75

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 60.2% of Community Trust Bancorp shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by company insiders. Comparatively, 2.6% of Community Trust Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.6%. Community Trust Bancorp pays an annual dividend of $2.60 per share and has a dividend yield of 3.4%. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend. Community Trust Bancorp pays out 43.6% 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. Community Trust Bancorp has increased its dividend for 44 consecutive years. Community Trust Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Community Trust Bancorp had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Community Trust Bancorp and 1 mentions for Citizens Financial Services. Community Trust Bancorp's average media sentiment score of 1.38 beat Citizens Financial Services' score of 0.58 indicating that Community Trust Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Community Trust Bancorp
4 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Community Trust Bancorp has a consensus price target of $81.50, indicating a potential upside of 7.08%. Given Community Trust Bancorp's higher probable upside, analysts plainly believe Community Trust 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
Community Trust Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.75

Citizens Financial Services has a beta of 0.37, meaning that its share price is 63% less volatile than the broader market. Comparatively, Community Trust Bancorp has a beta of 0.54, meaning that its share price is 46% less volatile than the broader market.

Community Trust Bancorp has a net margin of 25.55% compared to Citizens Financial Services' net margin of 23.31%. Community Trust Bancorp's return on equity of 12.52% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services23.31% 12.06% 1.33%
Community Trust Bancorp 25.55%12.52%1.60%

Summary

Community Trust Bancorp beats Citizens Financial Services on 14 of the 18 factors compared between the two stocks.

How does Citizens Financial Services compare to Home Bancorp?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M2.21$36.57M$8.559.32
Home Bancorp$153.83M3.43$46.06M$5.9811.24

In the previous week, Home Bancorp had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 2 mentions for Home Bancorp and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 0.58 beat Home Bancorp's score of 0.00 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
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Home Bancorp
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.6%. Home Bancorp pays an annual dividend of $1.28 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. Home Bancorp pays out 21.4% 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. Home Bancorp has increased its dividend for 10 consecutive years.

Citizens Financial Services has a net margin of 23.31% compared to Home Bancorp's net margin of 22.23%. Citizens Financial Services' return on equity of 12.06% beat Home Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services23.31% 12.06% 1.33%
Home Bancorp 22.23%10.65%1.32%

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 49.4% of Home Bancorp shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by company insiders. Comparatively, 6.2% of Home Bancorp 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 0.37, suggesting that its stock price is 63% less volatile than the broader market. Comparatively, Home Bancorp has a beta of 0.52, suggesting that its stock price is 48% less volatile than the broader market.

Home Bancorp has a consensus target price of $69.50, suggesting a potential upside of 3.41%. Given Home Bancorp's higher probable upside, analysts plainly believe Home 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
Home Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

Summary

Home Bancorp beats Citizens Financial Services on 10 of the 18 factors compared between the two stocks.

How does Citizens Financial Services compare to Mercantile Bank?

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

In the previous week, Mercantile Bank had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 2 mentions for Mercantile Bank and 1 mentions for Citizens Financial Services. Mercantile Bank's average media sentiment score of 0.98 beat Citizens Financial Services' score of 0.58 indicating that Mercantile Bank is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Mercantile Bank
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
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

58.6% of Mercantile Bank shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 2.5% of Mercantile Bank 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, endowments and large money managers believe a company is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Mercantile Bank$371.80M2.74$88.75M$5.6810.36
Citizens Financial Services$173.51M2.21$36.57M$8.559.32

Mercantile Bank has a net margin of 24.75% compared to Citizens Financial Services' net margin of 23.31%. Mercantile Bank's return on equity of 13.66% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Mercantile Bank24.75% 13.66% 1.46%
Citizens Financial Services 23.31%12.06%1.33%

Mercantile Bank has a beta of 0.83, suggesting that its stock price is 17% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.37, suggesting that its stock price is 63% less volatile than the broader market.

Mercantile Bank currently has a consensus price target of $62.00, suggesting a potential upside of 5.39%. Given Mercantile Bank's higher possible upside, equities research analysts clearly believe Mercantile Bank is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Mercantile Bank
0 Sell rating(s)
3 Hold rating(s)
3 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

Mercantile Bank pays an annual dividend of $1.60 per share and has a dividend yield of 2.7%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.6%. Mercantile Bank pays out 28.2% 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. Mercantile Bank has increased its dividend for 14 consecutive years. Mercantile Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Mercantile Bank beats Citizens Financial Services on 15 of the 20 factors compared between the two stocks.

How does Citizens Financial Services compare to United Community Banks?

Citizens Financial Services (NASDAQ:CZFS) and United Community Banks (NYSE:UCB) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, valuation, media sentiment, analyst recommendations, dividends, earnings, institutional ownership and profitability.

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.6%. United Community Banks pays an annual dividend of $1.04 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. United Community Banks pays out 34.2% 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.

In the previous week, United Community Banks had 4 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for United Community Banks and 1 mentions for Citizens Financial Services. United Community Banks' average media sentiment score of 0.63 beat Citizens Financial Services' score of 0.58 indicating that United Community Banks is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
United Community Banks
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M2.21$36.57M$8.559.32
United Community Banks$1.54B2.65$328.10M$3.0411.11

United Community Banks has a net margin of 24.43% compared to Citizens Financial Services' net margin of 23.31%. Citizens Financial Services' return on equity of 12.06% beat United Community Banks' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services23.31% 12.06% 1.33%
United Community Banks 24.43%9.61%1.24%

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 82.3% of United Community Banks shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by insiders. Comparatively, 0.5% of United Community Banks shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Citizens Financial Services has a beta of 0.37, meaning that its share price is 63% less volatile than the broader market. Comparatively, United Community Banks has a beta of 0.88, meaning that its share price is 12% less volatile than the broader market.

United Community Banks has a consensus price target of $39.60, indicating a potential upside of 17.28%. Given United Community Banks' higher probable upside, analysts clearly believe United Community Banks 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
United Community Banks
0 Sell rating(s)
3 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.75

Summary

United Community Banks beats Citizens Financial Services on 12 of the 18 factors compared between the two stocks.

How does Citizens Financial Services compare to Preferred Bank?

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

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.6%. 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 increased 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.

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 0.58 beat Preferred Bank's score of 0.42 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
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Preferred Bank
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

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

Preferred Bank has a consensus price target of $108.50, suggesting a potential upside of 3.79%. Given Preferred Bank's higher possible upside, analysts clearly 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)
1 Strong Buy rating(s)
2.50

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 Services23.31% 12.06% 1.33%
Preferred Bank 26.54%17.27%1.77%

Citizens Financial Services has a beta of 0.37, suggesting that its share price is 63% less volatile than the broader market. Comparatively, Preferred Bank has a beta of 0.57, suggesting that its share price is 43% less volatile than the broader market.

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M2.21$36.57M$8.559.32
Preferred Bank$505.97M2.98$133.63M$10.949.56

Summary

Preferred Bank beats Citizens Financial Services on 14 of the 18 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$382.48M$22.77B$13.41B$13.38B
Dividend Yield2.57%3.13%6.04%17.39%
P/E Ratio9.3225.6824.9426.49
Price / Sales2.219.10480.05108.72
Price / Cash10.7714.8143.9853.24
Price / Book1.131.342.716.33
Net Income$36.57M$2.58B$1.31B$381.96M
7 Day Performance1.32%0.15%-0.05%-0.41%
1 Month Performance-3.94%-2.90%-3.22%-4.85%
1 Year Performance41.78%21.18%10.58%1.42%

Citizens Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
2.7032 of 5 stars
$79.65
+0.2%
N/A+37.7%$382.48M$173.51M9.32405
CTBI
Community Trust Bancorp
3.8664 of 5 stars
$74.22
-0.4%
$81.50
+9.8%
+34.8%$1.35B$409.34M12.43930
HBCP
Home Bancorp
2.3722 of 5 stars
$66.06
-0.6%
$69.50
+5.2%
+21.9%$521.46M$209.23M11.05494
MBWM
Mercantile Bank
3.56 of 5 stars
$58.32
-1.0%
$62.00
+6.3%
+28.6%$1.02B$371.80M10.27786
UCB
United Community Banks
4.2087 of 5 stars
$33.38
-0.7%
$39.60
+18.6%
+6.0%$4.05B$1.54B10.983,141

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This page (NASDAQ:CZFS) was last updated on 10/7/2026 by MarketBeat.com Staff.
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