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Citizens Financial Services (CZFS) Competitors

Citizens Financial Services logo
$82.63 +6.10 (+7.97%)
Closing price 08/4/2026 04:00 PM Eastern
Extended Trading
$82.38 -0.25 (-0.30%)
As of 08/4/2026 07:34 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. WLTH, FMBH, PGY, LU, and HBT

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), First Mid Bancshares (FMBH), Pagaya Technologies (PGY), Lufax (LU), and HBT Financial (HBT).

How does Citizens Financial Services compare to Wealthfront?

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

In the previous week, Citizens Financial Services had 3 more articles in the media than Wealthfront. MarketBeat recorded 6 mentions for Citizens Financial Services and 3 mentions for Wealthfront. Wealthfront's average media sentiment score of 0.93 beat Citizens Financial Services' score of 0.56 indicating that Wealthfront is being referred to more favorably in the news media.

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

Citizens Financial Services has higher earnings, but lower revenue than Wealthfront. Wealthfront 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$173.51M2.29$36.57M$8.559.66
Wealthfront$364.99M4.02-$42.07M-$1.03N/A

Citizens Financial Services has a net margin of 23.31% compared to Wealthfront's net margin of 0.00%. Citizens Financial Services' return on equity of 12.20% beat Wealthfront's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services23.31% 12.20% 1.35%
Wealthfront N/A N/A N/A

22.5% of Citizens Financial Services shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 27.4% of Wealthfront shares are held 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.

Wealthfront has a consensus target price of $12.42, suggesting a potential upside of 26.44%. Given Wealthfront's higher probable upside, analysts clearly believe Wealthfront 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
Wealthfront
1 Sell rating(s)
4 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.33

Summary

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

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

First Mid Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. First Mid Bancshares pays out 24.8% 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. First Mid Bancshares has increased 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 price target of $54.63, suggesting a potential upside of 4.07%. Given First Mid Bancshares' higher probable 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
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)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00

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$466.04M3.00$91.75M$4.0313.02
Citizens Financial Services$173.51M2.29$36.57M$8.559.66

Citizens Financial Services has a net margin of 23.31% compared to First Mid Bancshares' net margin of 19.76%. Citizens Financial Services' return on equity of 12.20% beat First Mid Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
First Mid Bancshares19.76% 11.17% 1.32%
Citizens Financial Services 23.31%12.20%1.35%

First Mid Bancshares has a beta of 0.78, meaning that its stock price is 22% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.35, meaning that its stock price is 65% less volatile than the broader market.

In the previous week, First Mid Bancshares had 1 more articles in the media than Citizens Financial Services. MarketBeat recorded 7 mentions for First Mid Bancshares and 6 mentions for Citizens Financial Services. First Mid Bancshares' average media sentiment score of 0.94 beat Citizens Financial Services' score of 0.56 indicating that First Mid Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Mid Bancshares
4 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Financial Services
1 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

First Mid Bancshares beats Citizens Financial Services on 12 of the 20 factors compared between the two stocks.

How does Citizens Financial Services compare to Pagaya Technologies?

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

57.1% of Pagaya Technologies shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 42.0% of Pagaya Technologies 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, large money managers and endowments believe a stock is poised for long-term growth.

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
Pagaya Technologies$1.30B1.40$81.39M$1.3616.12
Citizens Financial Services$173.51M2.29$36.57M$8.559.66

Pagaya Technologies has a beta of 5.33, meaning that its stock price is 433% more volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.35, meaning that its stock price is 65% less volatile than the broader market.

Citizens Financial Services has a net margin of 23.31% compared to Pagaya Technologies' net margin of 9.12%. Pagaya Technologies' return on equity of 51.56% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Pagaya Technologies9.12% 51.56% 19.01%
Citizens Financial Services 23.31%12.20%1.35%

Pagaya Technologies currently has a consensus price target of $32.43, indicating a potential upside of 47.94%. Given Pagaya Technologies' higher probable upside, equities research analysts clearly believe Pagaya Technologies is more favorable than Citizens Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pagaya Technologies
0 Sell rating(s)
2 Hold rating(s)
7 Buy rating(s)
2 Strong Buy rating(s)
3.00
Citizens Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00

In the previous week, Pagaya Technologies had 28 more articles in the media than Citizens Financial Services. MarketBeat recorded 34 mentions for Pagaya Technologies and 6 mentions for Citizens Financial Services. Pagaya Technologies' average media sentiment score of 0.67 beat Citizens Financial Services' score of 0.56 indicating that Pagaya Technologies is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Pagaya Technologies
12 Very Positive mention(s)
2 Positive mention(s)
11 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens Financial Services
1 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Pagaya Technologies beats Citizens Financial Services on 13 of the 16 factors compared between the two stocks.

How does Citizens Financial Services compare to Lufax?

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

Lufax has a consensus price target of $2.00, suggesting a potential upside of 31.15%. Given Lufax's higher possible upside, analysts clearly believe Lufax 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
Lufax
2 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.67

Citizens Financial Services has a beta of 0.35, meaning that its share price is 65% less volatile than the broader market. Comparatively, Lufax has a beta of 0.81, meaning that its share price is 19% less volatile than the broader market.

Citizens Financial Services has higher earnings, but lower revenue 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
Citizens Financial Services$173.51M2.29$36.57M$8.559.66
Lufax$3.77B0.35-$291.79M-$0.78N/A

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 69.1% of Lufax 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, large money managers and endowments believe a stock will outperform the market over the long term.

In the previous week, Citizens Financial Services had 2 more articles in the media than Lufax. MarketBeat recorded 6 mentions for Citizens Financial Services and 4 mentions for Lufax. Citizens Financial Services' average media sentiment score of 0.56 beat Lufax's score of -0.10 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
1 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Lufax
1 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 has a net margin of 23.31% compared to Lufax's net margin of 0.00%. Citizens Financial Services' return on equity of 12.20% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services23.31% 12.20% 1.35%
Lufax N/A N/A N/A

Summary

Citizens Financial Services beats Lufax on 12 of the 16 factors compared between the two stocks.

How does Citizens Financial Services compare to HBT Financial?

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

HBT Financial has higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than HBT 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$173.51M2.29$36.57M$8.559.66
HBT Financial$293.97M4.47$77.01M$2.3315.51

In the previous week, Citizens Financial Services had 1 more articles in the media than HBT Financial. MarketBeat recorded 6 mentions for Citizens Financial Services and 5 mentions for HBT Financial. Citizens Financial Services' average media sentiment score of 0.56 beat HBT Financial's score of 0.41 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
1 Very Positive mention(s)
2 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
HBT Financial
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Neutral

HBT Financial has a consensus price target of $33.25, indicating a potential downside of 7.97%. Given HBT Financial's higher possible upside, analysts plainly believe HBT 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)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00
HBT Financial
0 Sell rating(s)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. HBT Financial pays an annual dividend of $0.92 per share and has a dividend yield of 2.5%. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend. HBT Financial pays out 39.5% 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. HBT Financial has increased its dividend for 5 consecutive years. HBT Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

HBT Financial has a net margin of 23.44% compared to Citizens Financial Services' net margin of 23.31%. HBT Financial's return on equity of 14.03% beat Citizens Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Services23.31% 12.20% 1.35%
HBT Financial 23.44%14.03%1.63%

22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 78.6% of HBT Financial shares are owned by institutional investors. 5.5% of Citizens Financial Services shares are owned by company insiders. Comparatively, 51.9% of HBT Financial shares are owned by company 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.

Citizens Financial Services has a beta of 0.35, suggesting that its share price is 65% less volatile than the broader market. Comparatively, HBT Financial has a beta of 0.51, suggesting that its share price is 49% less volatile than the broader market.

Summary

HBT Financial beats Citizens Financial Services on 14 of the 20 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$367.72M$23.75B$14.04B$12.76B
Dividend Yield2.67%3.18%5.92%10.01%
P/E Ratio9.6628.1528.9725.53
Price / Sales2.299.55475.3494.27
Price / Cash10.3716.4438.6149.39
Price / Book1.171.393.736.11
Net Income$36.57M$2.58B$1.31B$347.58M
7 Day Performance6.95%1.53%1.46%4.91%
1 Month Performance14.43%3.39%1.29%-2.06%
1 Year Performance54.68%30.90%13.60%21.03%

Citizens Financial Services Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZFS
Citizens Financial Services
3.1029 of 5 stars		$82.63
+8.0%		N/A+54.2%$367.72M$173.51M9.66310
WLTH
Wealthfront
3.9285 of 5 stars		$9.25
-3.0%		$12.50
+35.1%		N/A$1.42B$364.99MN/A359
FMBH
First Mid Bancshares
3.1538 of 5 stars		$52.52
-0.1%		$54.63
+4.0%		+38.8%$1.40B$466.04M13.031,170
PGY
Pagaya Technologies
4.8326 of 5 stars		$16.19
-2.5%		$35.86
+121.5%		-31.9%$1.38B$1.30B15.13800
LU
Lufax
2.521 of 5 stars		$1.55
+0.3%		$2.00
+29.4%		-47.4%$1.33B$3.77BN/A33,163

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This page (NASDAQ:CZFS) was last updated on 8/5/2026 by MarketBeat.com Staff.
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