CZFS vs. PCB, CIVB, BCML, USCB, CWBC, CVCY, SSBK, FVCB, JMSB, and TSBK
Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include PCB Bancorp (PCB), Civista Bancshares (CIVB), BayCom (BCML), USCB Financial (USCB), Community West Bancshares (CWBC), Central Valley Community Bancorp (CVCY), Southern States Bancshares (SSBK), FVCBankcorp (FVCB), John Marshall Bancorp (JMSB), and Timberland Bancorp (TSBK). These companies are all part of the "finance" sector.
Citizens Financial Services (NASDAQ:CZFS) and PCB Bancorp (NASDAQ:PCB) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, media sentiment, institutional ownership, profitability, analyst recommendations, community ranking, valuation and dividends.
PCB Bancorp has higher revenue and earnings than Citizens Financial Services. PCB Bancorp 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.
In the previous week, Citizens Financial Services had 2 more articles in the media than PCB Bancorp. MarketBeat recorded 5 mentions for Citizens Financial Services and 3 mentions for PCB Bancorp. Citizens Financial Services' average media sentiment score of 0.37 beat PCB Bancorp's score of 0.32 indicating that Citizens Financial Services is being referred to more favorably in the media.
Citizens Financial Services has a beta of 0.34, indicating that its share price is 66% less volatile than the S&P 500. Comparatively, PCB Bancorp has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.
22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 33.0% of PCB Bancorp shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by insiders. Comparatively, 25.7% of PCB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Citizens Financial Services received 5 more outperform votes than PCB Bancorp when rated by MarketBeat users. Likewise, 68.00% of users gave Citizens Financial Services an outperform vote while only 50.00% of users gave PCB Bancorp an outperform vote.
PCB Bancorp has a net margin of 18.97% compared to Citizens Financial Services' net margin of 12.83%. PCB Bancorp's return on equity of 11.25% beat Citizens Financial Services' return on equity.
Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.5%. PCB Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 4.7%. Citizens Financial Services pays out 50.1% of its earnings in the form of a dividend. PCB Bancorp pays out 34.0% 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. PCB Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.
Summary
PCB Bancorp beats Citizens Financial Services on 10 of the 17 factors compared between the two stocks.
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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.
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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