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Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$73.21 +1.89 (+2.65%)
Closing price 04:00 PM Eastern
Extended Trading
$72.98 -0.22 (-0.31%)
As of 04:10 PM 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.
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CZFS vs. AMAL, WYFI, FMBH, MCB, and CCB

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), WhiteFiber (WYFI), First Mid Bancshares (FMBH), Metropolitan Bank (MCB), and Coastal Financial (CCB). 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 contrast the two companies based on the strength of their dividends, valuation, risk, institutional ownership, analyst recommendations, media sentiment, earnings and profitability.

In the previous week, Citizens Financial Services and Citizens Financial Services both had 2 articles in the media. Amalgamated Financial's average media sentiment score of 1.55 beat Citizens Financial Services' score of 0.44 indicating that Amalgamated Financial is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Financial Services Neutral
Amalgamated Financial Very Positive

Amalgamated Financial has a consensus target price of $48.00, indicating a potential upside of 2.30%. Given Amalgamated Financial's higher possible 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)
1 Hold rating(s)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33
Amalgamated Financial
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

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

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Services$173.51M2.03$36.57M$8.198.94
Amalgamated Financial$453.17M3.09$104.45M$3.4413.64

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

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.8%. Amalgamated Financial pays an annual dividend of $0.68 per share and has a dividend yield of 1.4%. Citizens Financial Services pays out 24.9% 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.

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 Services22.47% 11.89% 1.30%
Amalgamated Financial 22.33%13.89%1.23%

Summary

Amalgamated Financial beats Citizens Financial Services on 12 of the 19 factors compared between the two stocks.

How does Citizens Financial Services compare to WhiteFiber?

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

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 large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, WhiteFiber had 5 more articles in the media than Citizens Financial Services. MarketBeat recorded 7 mentions for WhiteFiber and 2 mentions for Citizens Financial Services. WhiteFiber's average media sentiment score of 1.03 beat Citizens Financial Services' score of 0.44 indicating that WhiteFiber is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Financial Services Neutral
WhiteFiber Positive

Citizens Financial Services has higher revenue and earnings than WhiteFiber. WhiteFiber 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$173.51M2.03$36.57M$8.198.94
WhiteFiber$79.16M14.23-$24.68M-$1.45N/A

WhiteFiber has a consensus target price of $34.67, indicating a potential upside of 18.80%. Given WhiteFiber's higher probable upside, analysts clearly believe WhiteFiber 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)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33
WhiteFiber
1 Sell rating(s)
3 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.64

Citizens Financial Services has a net margin of 22.47% compared to WhiteFiber's net margin of -45.24%. Citizens Financial Services' return on equity of 11.89% beat WhiteFiber's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services22.47% 11.89% 1.30%
WhiteFiber -45.24%-9.40%-6.39%

Summary

Citizens Financial Services beats WhiteFiber on 10 of the 15 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 business? We will compare the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, media sentiment, dividends, profitability, valuation and risk.

First Mid Bancshares has a consensus target price of $49.50, indicating a potential upside of 1.50%. Given First Mid Bancshares' higher possible 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)
1 Hold rating(s)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33
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, Citizens Financial Services had 1 more articles in the media than First Mid Bancshares. MarketBeat recorded 2 mentions for Citizens Financial Services and 1 mentions for First Mid Bancshares. First Mid Bancshares' average media sentiment score of 1.87 beat Citizens Financial Services' score of 0.44 indicating that First Mid Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Financial Services Neutral
First Mid Bancshares Very Positive

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.8%. 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.

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$173.51M2.03$36.57M$8.198.94
First Mid Bancshares$466.04M2.79$91.75M$3.9712.28

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

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 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 endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

First Mid Bancshares beats Citizens Financial Services on 11 of the 20 factors compared between the two stocks.

How does Citizens Financial Services compare to Metropolitan Bank?

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

Citizens Financial Services has a net margin of 22.47% compared to Metropolitan Bank's net margin of 15.89%. Citizens Financial Services' return on equity of 11.89% beat Metropolitan Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services22.47% 11.89% 1.30%
Metropolitan Bank 15.89%10.95%1.04%

In the previous week, Metropolitan Bank had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Metropolitan Bank and 2 mentions for Citizens Financial Services. Metropolitan Bank's average media sentiment score of 0.54 beat Citizens Financial Services' score of 0.44 indicating that Metropolitan Bank is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens Financial Services Neutral
Metropolitan Bank Positive

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 79.8% of Metropolitan Bank shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by company insiders. Comparatively, 5.5% of Metropolitan Bank shares are held by company 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.

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.8%. Metropolitan Bank pays an annual dividend of $1.00 per share and has a dividend yield of 1.0%. Citizens Financial Services pays out 24.9% of its earnings in the form of a dividend. Metropolitan Bank pays out 12.3% 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.

Metropolitan Bank has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than Metropolitan 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$173.51M2.03$36.57M$8.198.94
Metropolitan Bank$527.15M2.31$71.10M$8.1212.10

Metropolitan Bank has a consensus target price of $103.00, indicating a potential upside of 4.86%. Given Metropolitan Bank's higher probable upside, analysts plainly believe Metropolitan 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)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33
Metropolitan Bank
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.00

Citizens Financial Services has a beta of 0.36, meaning that its stock price is 64% less volatile than the broader market. Comparatively, Metropolitan Bank has a beta of 1, meaning that its stock price has a similar volatility profile to the broader market.

Summary

Metropolitan Bank beats Citizens Financial Services on 11 of the 18 factors compared between the two stocks.

How does Citizens Financial Services compare to Coastal Financial?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Coastal Financial$661.22M1.82$46.99M$3.1924.73
Citizens Financial Services$173.51M2.03$36.57M$8.198.94

Coastal Financial presently has a consensus price target of $122.60, indicating a potential upside of 55.41%. Given Coastal Financial's higher probable upside, equities analysts plainly believe Coastal Financial is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Coastal Financial
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.67
Citizens Financial Services
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33

Citizens Financial Services has a net margin of 22.47% compared to Coastal Financial's net margin of 7.35%. Citizens Financial Services' return on equity of 11.89% beat Coastal Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Coastal Financial7.35% 10.20% 1.01%
Citizens Financial Services 22.47%11.89%1.30%

59.2% of Coastal Financial shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 13.5% of Coastal 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, endowments and hedge funds believe a stock will outperform the market over the long term.

In the previous week, Coastal Financial had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 5 mentions for Coastal Financial and 2 mentions for Citizens Financial Services. Coastal Financial's average media sentiment score of 1.35 beat Citizens Financial Services' score of 0.44 indicating that Coastal Financial is being referred to more favorably in the media.

Company Overall Sentiment
Coastal Financial Positive
Citizens Financial Services Neutral

Coastal Financial has a beta of 0.72, indicating that its stock price is 28% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.36, indicating that its stock price is 64% less volatile than the broader market.

Summary

Coastal Financial beats Citizens Financial Services on 10 of the 17 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

Export
MetricCitizens Financial ServicesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$342.69M$1.21B$14.43B$12.66B
Dividend Yield2.86%2.52%5.70%8.42%
P/E Ratio8.7119.4320.6624.37
Price / Sales2.032.8044.7793.32
Price / Cash9.6625.4719.3259.39
Price / Book1.041.292.276.32
Net Income$36.57M$75.93M$1.13B$331.55M
7 Day Performance4.41%2.30%0.97%0.15%
1 Month Performance10.06%4.17%1.38%-0.68%
1 Year Performance23.15%28.27%14.05%20.73%

Citizens Financial Services Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
3.435 of 5 stars		$73.21
+2.7%		N/A+15.5%$342.69M$173.51M8.71310
AMAL
Amalgamated Financial
3.4089 of 5 stars		$45.04
-1.7%		$48.00
+6.6%		+38.2%$1.37B$453.17M12.79380
WYFI
WhiteFiber
3.5893 of 5 stars		$36.74
+9.9%		$34.67
-5.6%		N/A$1.29B$79.16MN/A39
FMBH
First Mid Bancshares
3.6392 of 5 stars		$47.32
-1.7%		$49.50
+4.6%		+21.9%$1.28B$466.04M11.571,170
MCB
Metropolitan Bank
2.5799 of 5 stars		$95.94
-1.2%		$103.00
+7.4%		+28.3%$1.20B$527.15M11.95240

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This page (NASDAQ:CZFS) was last updated on 7/15/2026 by MarketBeat.com Staff.
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