Question 1

Do analysts prefer OBK or CZFS?

Accepted Answer

Origin Bancorp currently has a consensus target price of $58.00, indicating a potential upside of 6.68%. Given Origin Bancorp's higher possible upside, equities research analysts plainly believe Origin Bancorp is more favorable than Citizens Financial Services. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Origin Bancorp 0 Sell rating(s) 2 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.71 Citizens Financial Services 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00

Question 2

Is OBK or CZFS a better dividend stock?

Accepted Answer

Origin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.8%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Origin Bancorp pays out 31.3% 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. Origin Bancorp has raised 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 better earnings and valuation, OBK or CZFS?

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 Origin Bancorp $420.91M 3.98 $75.20M $3.20 16.99 Citizens Financial Services $173.51M 2.30 $36.57M $8.55 9.72

Question 4

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

Accepted Answer

54.7% of Origin Bancorp shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 5.3% of Origin Bancorp 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 stock is poised for long-term growth.

Question 5

Is OBK or CZFS 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 Origin Bancorp 16.26% 7.97% 1.00% Citizens Financial Services 23.31% 12.06% 1.33%

Question 6

Which has more volatility and risk, OBK or CZFS?

Accepted Answer

Origin Bancorp has a beta of 0.71, meaning that its stock price is 29% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.36, meaning that its stock price is 64% less volatile than the broader market.

Question 7

Does the media favor OBK or CZFS?

Accepted Answer

In the previous week, Origin Bancorp had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Origin Bancorp and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.46 beat Origin Bancorp's score of 0.35 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 Origin Bancorp 0 Very Positive mention(s) 1 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Citizens Financial Services 1 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 8

Do analysts rate LKFN or CZFS?

Accepted Answer

Lakeland Financial presently has a consensus price target of $66.50, indicating a potential upside of 9.47%. Given Lakeland Financial's higher probable upside, equities 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 9

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 3.4%. 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 increased 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 10

Which has better valuation & 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 3.58 $103.36M $4.36 13.93 Citizens Financial Services $173.51M 2.30 $36.57M $8.55 9.72

Question 11

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

Accepted Answer

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

Question 12

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 13

Which has more risk and volatility, LKFN or CZFS?

Accepted Answer

Lakeland Financial has a beta of 0.71, meaning that its share price is 29% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.36, meaning that its share price is 64% less volatile than the broader market.

Question 14

Does the media refer more to LKFN or CZFS?

Accepted Answer

In the previous week, Citizens Financial Services had 1 more articles in the media than Lakeland Financial. MarketBeat recorded 3 mentions for Citizens Financial Services and 2 mentions for Lakeland Financial. Lakeland Financial's average media sentiment score of 1.52 beat Citizens Financial Services' score of 1.46 indicating that Lakeland Financial is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Lakeland Financial 1 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive Citizens Financial Services 1 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 15

Do analysts prefer PFBC or CZFS?

Accepted Answer

Preferred Bank currently has a consensus target price of $106.25, suggesting a potential upside of 0.42%. Given Preferred Bank's higher probable upside, equities research analysts clearly believe Preferred Bank is more favorable than Citizens Financial Services. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Preferred Bank 0 Sell rating(s) 5 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.29 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 PFBC or CZFS a better dividend stock?

Accepted Answer

Preferred Bank pays an annual dividend of $3.20 per share and has a dividend yield of 3.0%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Preferred Bank pays out 29.3% 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. 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.

Question 17

Which has preferable valuation and earnings, PFBC or CZFS?

Accepted Answer

Preferred Bank has higher revenue and earnings than Citizens Financial Services. Preferred Bank 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 Preferred Bank $505.97M 3.02 $133.63M $10.94 9.67 Citizens Financial Services $173.51M 2.30 $36.57M $8.55 9.72

Question 18

Do insiders & institutionals believe in PFBC or CZFS?

Accepted Answer

72.8% of Preferred Bank 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 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.

Question 19

Is PFBC or CZFS 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 Preferred Bank 26.54% 17.27% 1.77% Citizens Financial Services 23.31% 12.06% 1.33%

Question 20

Which has more risk & volatility, PFBC or CZFS?

Accepted Answer

Preferred Bank has a beta of 0.54, meaning that its share price is 46% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.36, meaning that its share price is 64% less volatile than the broader market.

Question 21

Does the media refer more to PFBC or CZFS?

Accepted Answer

In the previous week, Preferred Bank had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Preferred Bank and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.46 beat Preferred Bank's score of 0.92 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 Preferred Bank 1 Very Positive mention(s) 1 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) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 22

Do analysts recommend BHRB or CZFS?

Accepted Answer

Burke & Herbert Financial Services presently has a consensus price target of $75.25, indicating a potential upside of 5.23%. Given Burke & Herbert Financial Services' higher possible upside, research analysts plainly believe Burke & Herbert Financial Services is more favorable than Citizens Financial Services. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Burke & Herbert Financial Services 0 Sell rating(s) 3 Hold rating(s) 2 Buy rating(s) 1 Strong Buy rating(s) 2.67 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 BHRB or CZFS a better dividend stock?

Accepted Answer

Burke & Herbert Financial Services pays an annual dividend of $2.20 per share and has a dividend yield of 3.1%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. Burke & Herbert Financial Services pays out 35.3% 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. Burke & Herbert Financial Services has raised its dividend for 1 consecutive years. Burke & Herbert Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Question 24

Which has better valuation & earnings, BHRB or CZFS?

Accepted Answer

Burke & Herbert Financial Services has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Burke & Herbert 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 Burke & Herbert Financial Services $491.11M 2.94 $117.31M $6.24 11.46 Citizens Financial Services $173.51M 2.30 $36.57M $8.55 9.72

Question 25

Do institutionals and insiders believe in BHRB or CZFS?

Accepted Answer

22.5% of Citizens Financial Services shares are owned by institutional investors. 12.0% of Burke & Herbert Financial Services shares are owned by insiders. Comparatively, 5.5% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Question 26

Is BHRB or CZFS more profitable?

Accepted Answer

Citizens Financial Services has a net margin of 23.31% compared to Burke & Herbert Financial Services' net margin of 18.86%. Burke & Herbert Financial Services' return on equity of 13.66% beat Citizens Financial Services' return on equity. Company Net Margins Return on Equity Return on Assets Burke & Herbert Financial Services 18.86% 13.66% 1.46% Citizens Financial Services 23.31% 12.06% 1.33%

Question 27

Which has more risk and volatility, BHRB or CZFS?

Accepted Answer

Burke & Herbert Financial Services has a beta of 0.56, meaning that its stock price is 44% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.36, meaning that its stock price is 64% less volatile than the broader market.

Question 28

Does the media refer more to BHRB or CZFS?

Accepted Answer

In the previous week, Citizens Financial Services had 2 more articles in the media than Burke & Herbert Financial Services. MarketBeat recorded 3 mentions for Citizens Financial Services and 1 mentions for Burke & Herbert Financial Services. Burke & Herbert Financial Services' average media sentiment score of 1.74 beat Citizens Financial Services' score of 1.46 indicating that Burke & Herbert Financial Services is being referred to more favorably in the media. Company Overall Sentiment Burke & Herbert Financial Services Very Positive Citizens Financial Services Positive

Question 29

Do analysts recommend AMAL or CZFS?

Accepted Answer

Amalgamated Financial currently has a consensus price target of $54.00, indicating a potential upside of 14.92%. Given Amalgamated Financial's higher probable upside, research analysts plainly 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) 3 Buy rating(s) 0 Strong Buy rating(s) 2.60 Citizens Financial Services 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 3.00

Question 30

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 31

Which has stronger earnings & valuation, 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 3.10 $104.45M $3.75 12.53 Citizens Financial Services $173.51M 2.30 $36.57M $8.55 9.72

Question 32

Do institutionals and insiders 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 insiders. Comparatively, 5.5% of Citizens Financial Services shares are owned by 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.

Question 33

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 34

Which has more risk & volatility, AMAL or CZFS?

Accepted Answer

Amalgamated Financial has a beta of 0.79, suggesting that its stock price is 21% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.36, suggesting that its stock price is 64% less volatile than the broader market.

Question 35

Does the media prefer AMAL or CZFS?

Accepted Answer

In the previous week, Amalgamated Financial had 30 more articles in the media than Citizens Financial Services. MarketBeat recorded 33 mentions for Amalgamated Financial and 3 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.46 beat Amalgamated Financial's score of 0.26 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 14 Very Positive mention(s) 3 Positive mention(s) 5 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Citizens Financial Services 1 Very Positive mention(s) 1 Positive mention(s) 0 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	$396.67M	$23.92B	$14.03B	$15.01B
Dividend Yield	2.47%	3.14%	5.95%	12.21%
P/E Ratio	9.72	27.07	25.34	25.31
Price / Sales	2.30	9.35	503.44	107.35
Price / Cash	11.17	16.12	40.57	51.48
Price / Book	1.18	1.39	2.74	6.18
Net Income	$36.57M	$2.58B	$1.31B	$357.96M
7 Day Performance	1.01%	-0.16%	-1.19%	-1.61%
1 Month Performance	0.67%	-0.43%	-0.93%	-3.62%
1 Year Performance	32.10%	23.34%	9.58%	5.95%

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CZFS Citizens Financial Services	3.2121 of 5 stars	$83.09 +0.8%	N/A	+27.6%	$396.67M	$173.51M	9.72	405	Positive News
OBK Origin Bancorp	3.9771 of 5 stars	$53.53 -0.4%	$58.00 +8.3%	+53.0%	$1.66B	$420.91M	16.73	1,010	News Coverage Positive News
LKFN Lakeland Financial	2.6656 of 5 stars	$60.22 +0.4%	$66.50 +10.4%	-6.6%	$1.49B	$421.71M	13.81	650	Positive News
PFBC Preferred Bank	2.1107 of 5 stars	$101.91 -0.5%	$106.25 +4.3%	+12.1%	$1.48B	$505.97M	9.32	280
BHRB Burke & Herbert Financial Services	3.9823 of 5 stars	$70.87 -1.0%	$75.25 +6.2%	+16.2%	$1.45B	$491.11M	11.36	850	Positive News

Citizens Financial Services (CZFS) Competitors

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

How does Citizens Financial Services compare to Origin Bancorp?

Summary

How does Citizens Financial Services compare to Lakeland Financial?

Summary

How does Citizens Financial Services compare to Preferred Bank?

Summary

How does Citizens Financial Services compare to Burke & Herbert Financial Services?

Summary

How does Citizens Financial Services compare to Amalgamated Financial?

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, LKFN, PFBC, BHRB, and AMAL

How does Citizens Financial Services compare to Origin Bancorp?

Does the media favor OBK or CZFS?

Do analysts prefer OBK or CZFS?

Is OBK or CZFS a better dividend stock?

Which has better earnings and valuation, OBK or CZFS?

Which has more volatility and risk, OBK or CZFS?

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

Is OBK or CZFS more profitable?

Summary

How does Citizens Financial Services compare to Lakeland Financial?

Does the media refer more to LKFN or CZFS?

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

Do analysts rate LKFN or CZFS?

Which has more risk and volatility, LKFN or CZFS?

Which has better valuation & earnings, LKFN or CZFS?

Is LKFN or CZFS more profitable?

Is LKFN or CZFS a better dividend stock?

Summary

How does Citizens Financial Services compare to Preferred Bank?

Is PFBC or CZFS a better dividend stock?

Do insiders & institutionals believe in PFBC or CZFS?

Which has preferable valuation and earnings, PFBC or CZFS?

Does the media refer more to PFBC or CZFS?

Which has more risk & volatility, PFBC or CZFS?

Is PFBC or CZFS more profitable?

Do analysts prefer PFBC or CZFS?

Summary

How does Citizens Financial Services compare to Burke & Herbert Financial Services?

Does the media refer more to BHRB or CZFS?

Do institutionals and insiders believe in BHRB or CZFS?

Is BHRB or CZFS more profitable?

Which has more risk and volatility, BHRB or CZFS?

Is BHRB or CZFS a better dividend stock?

Which has better valuation & earnings, BHRB or CZFS?

Do analysts recommend BHRB or CZFS?

Summary

How does Citizens Financial Services compare to Amalgamated Financial?

Is AMAL or CZFS more profitable?

Which has stronger earnings & valuation, AMAL or CZFS?

Do analysts recommend AMAL or CZFS?

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

Does the media prefer AMAL or CZFS?

Is AMAL or CZFS a better dividend stock?

Which has more risk & volatility, AMAL or CZFS?

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