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Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$64.19 +1.54 (+2.46%)
Closing price 06/4/2026 04:00 PM Eastern
Extended Trading
$64.19 0.00 (0.00%)
As of 04:05 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.
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CZFS vs. HIVE, PGY, ATLC, FMBH, and WYFI

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 HIVE Digital Technologies (HIVE), Pagaya Technologies (PGY), Atlanticus (ATLC), First Mid Bancshares (FMBH), and WhiteFiber (WYFI). These companies are all part of the "banking" industry.

How does Citizens Financial Services compare to HIVE Digital Technologies?

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

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 24.4% of HIVE Digital Technologies shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 9.4% of HIVE Digital Technologies shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

HIVE Digital Technologies has a consensus target price of $6.75, suggesting a potential upside of 54.46%. Given HIVE Digital Technologies' higher probable upside, analysts clearly believe HIVE Digital 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
HIVE Digital Technologies
1 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.56

Citizens Financial Services has a net margin of 22.47% compared to HIVE Digital Technologies' net margin of -49.21%. Citizens Financial Services' return on equity of 11.89% beat HIVE Digital Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services22.47% 11.89% 1.30%
HIVE Digital Technologies -49.21%-23.12%-20.33%

In the previous week, HIVE Digital Technologies had 10 more articles in the media than Citizens Financial Services. MarketBeat recorded 11 mentions for HIVE Digital Technologies and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.43 beat HIVE Digital Technologies' score of 0.28 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Citizens Financial Services Positive
HIVE Digital Technologies Neutral

Citizens Financial Services has higher earnings, but lower revenue than HIVE Digital Technologies. HIVE Digital Technologies 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$173.51M1.78$36.57M$8.197.84
HIVE Digital Technologies$297.79M3.88-$3M-$0.60N/A

Citizens Financial Services has a beta of 0.38, indicating that its share price is 62% less volatile than the broader market. Comparatively, HIVE Digital Technologies has a beta of 3.74, indicating that its share price is 274% more volatile than the broader market.

Summary

Citizens Financial Services beats HIVE Digital Technologies on 9 of the 17 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 stock? We will compare the two companies based on the strength of their institutional ownership, earnings, media sentiment, analyst recommendations, valuation, profitability, dividends 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$173.51M1.78$36.57M$8.197.84
Pagaya Technologies$1.30B0.98$81.39M$1.0714.45

Pagaya Technologies has a consensus target price of $33.11, indicating a potential upside of 114.17%. Given Pagaya Technologies' stronger consensus rating and higher probable upside, analysts plainly 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
1 Sell rating(s)
0 Hold rating(s)
9 Buy rating(s)
2 Strong Buy rating(s)
3.00

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

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 company insiders. Comparatively, 47.6% of Pagaya Technologies shares are held 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.

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%

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. Citizens Financial Services' average media sentiment score of 1.43 beat Pagaya Technologies' score of 0.90 indicating that Citizens Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Citizens Financial Services Positive
Pagaya Technologies Positive

Summary

Pagaya Technologies beats Citizens Financial Services on 13 of the 17 factors compared between the two stocks.

How does Citizens Financial Services compare to Atlanticus?

Atlanticus (NASDAQ:ATLC) 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 institutional ownership, risk, media sentiment, valuation, profitability, analyst recommendations, earnings and dividends.

14.2% of Atlanticus shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 51.0% of Atlanticus 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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Atlanticus$1.97B0.63$122.20M$6.7012.27
Citizens Financial Services$173.51M1.78$36.57M$8.197.84

Atlanticus presently has a consensus price target of $101.67, suggesting a potential upside of 23.65%. Given Atlanticus' stronger consensus rating and higher possible upside, equities analysts plainly believe Atlanticus is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Atlanticus
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00
Citizens Financial Services
0 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.67

Citizens Financial Services has a net margin of 22.47% compared to Atlanticus' net margin of 5.86%. Atlanticus' return on equity of 23.43% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Atlanticus5.86% 23.43% 2.17%
Citizens Financial Services 22.47%11.89%1.30%

In the previous week, Citizens Financial Services had 1 more articles in the media than Atlanticus. MarketBeat recorded 1 mentions for Citizens Financial Services and 0 mentions for Atlanticus. Citizens Financial Services' average media sentiment score of 1.43 beat Atlanticus' score of 1.14 indicating that Citizens Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Atlanticus Positive
Citizens Financial Services Positive

Atlanticus has a beta of 2.14, suggesting that its share price is 114% more volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.38, suggesting that its share price is 62% less volatile than the broader market.

Summary

Atlanticus beats Citizens Financial Services on 10 of the 16 factors compared between the two stocks.

How does Citizens Financial Services compare to First Mid Bancshares?

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

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
First Mid Bancshares19.95% 10.44% 1.23%
Citizens Financial Services 22.47%11.89%1.30%

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. First Mid Bancshares' average media sentiment score of 1.89 beat Citizens Financial Services' score of 1.43 indicating that First Mid Bancshares is being referred to more favorably in the media.

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

First Mid Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.2%. Citizens Financial Services pays an annual dividend of $2.00 per share and has a dividend yield of 3.1%. First Mid Bancshares pays out 25.2% of its earnings in the form of a dividend. Citizens Financial Services pays out 24.4% 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. 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 currently has a consensus target price of $49.50, suggesting a potential upside of 10.94%. Given First Mid Bancshares' higher probable upside, equities 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
First Mid Bancshares
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)
2 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.67

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
First Mid Bancshares$355.25M3.34$91.75M$3.9711.24
Citizens Financial Services$173.51M1.78$36.57M$8.197.84

47.6% of First Mid Bancshares shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 6.0% of First Mid Bancshares 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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

First Mid Bancshares has a beta of 0.8, meaning that its share price is 20% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.38, meaning that its share price is 62% less volatile than the broader market.

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 WhiteFiber?

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

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
WhiteFiber$84.32M12.58-$24.68M-$1.45N/A
Citizens Financial Services$173.51M1.78$36.57M$8.197.84

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

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
WhiteFiber-45.24% -9.40% -6.39%
Citizens Financial Services 22.47%11.89%1.30%

WhiteFiber presently has a consensus price target of $34.00, suggesting a potential upside of 23.82%. Given WhiteFiber's stronger consensus rating and higher probable upside, equities research analysts clearly believe WhiteFiber is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
WhiteFiber
1 Sell rating(s)
2 Hold rating(s)
10 Buy rating(s)
0 Strong Buy rating(s)
2.69
Citizens Financial Services
0 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.67

In the previous week, WhiteFiber had 3 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for WhiteFiber and 1 mentions for Citizens Financial Services. Citizens Financial Services' average media sentiment score of 1.43 beat WhiteFiber's score of 0.15 indicating that Citizens Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
WhiteFiber Neutral
Citizens Financial Services Positive

Summary

Citizens Financial Services beats WhiteFiber on 11 of the 16 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$301.03M$1.08B$13.45B$12.43B
Dividend Yield3.19%2.71%5.80%5.33%
P/E Ratio7.8418.6719.9124.34
Price / Sales1.782.56139.02113.60
Price / Cash8.4923.5719.3055.53
Price / Book0.911.192.206.72
Net Income$36.57M$75.93M$1.13B$337.03M
7 Day Performance-1.29%0.36%0.15%-0.13%
1 Month Performance1.74%1.29%0.44%3.76%
1 Year Performance8.70%28.20%12.31%34.36%

Citizens Financial Services Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
3.1344 of 5 stars		$64.19
+2.5%		N/A+8.8%$301.03M$173.51M7.84310
HIVE
HIVE Digital Technologies
2.8321 of 5 stars		$4.38
-3.5%		$6.51
+48.6%		+125.3%$1.16B$257.14MN/A20
PGY
Pagaya Technologies
4.4271 of 5 stars		$13.96
-8.7%		$33.11
+137.2%		-13.0%$1.16B$1.28B13.05800
ATLC
Atlanticus
4.4992 of 5 stars		$76.33
-8.2%		$101.67
+33.2%		+68.1%$1.15B$1.97B11.39330
FMBH
First Mid Bancshares
4.1471 of 5 stars		$43.13
-2.6%		$49.50
+14.8%		+25.4%$1.15B$466.04M10.861,170

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This page (NASDAQ:CZFS) was last updated on 6/5/2026 by MarketBeat.com Staff.
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