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CZFS Quote, Financials, Valuation and Earnings
Last price:
$56.65
Seasonality move
:
5.07%
Day range:
$55.01 - $57.10
52-week range:
$49.96 - $72.86
Dividend yield:
3.47%
P/E ratio:
7.98x
P/S ratio:
1.58x
P/B ratio:
0.83x
Volume:
6.6K
Avg. volume:
7.9K
1-year change:
-19.63%
Market cap:
$272.8M
Revenue:
$169.5M
EPS (TTM):
$7.12
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
$22.2M | $1.76 | -- | 10.96% | $65.00 |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$68.5M | $0.71 | -21.91% | 18.85% | $28.33 |
|
COLB
Columbia Banking System, Inc.
|
$573M | $0.69 | -3.94% | 5.88% | $29.62 |
|
HBAN
Huntington Bancshares, Inc.
|
$2.1B | $0.37 | -29.28% | 19.13% | $19.75 |
|
HTBK
Heritage Commerce Corp.
|
$48.9M | $0.21 | -23.72% | 35.02% | $11.83 |
|
MBWM
Mercantile Bank Corp.
|
$66.4M | $1.29 | -32.82% | 12.68% | $52.80 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
$56.75 | $65.00 | $272.8M | 7.98x | $0.50 | 3.47% | 1.58x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$26.53 | $28.33 | $782M | 13.38x | $0.18 | 2.71% | 1.50x |
|
COLB
Columbia Banking System, Inc.
|
$28.18 | $29.62 | $8.4B | 12.68x | $0.37 | 5.15% | 2.04x |
|
HBAN
Huntington Bancshares, Inc.
|
$16.90 | $19.75 | $26.6B | 11.88x | $0.16 | 3.67% | 2.04x |
|
HTBK
Heritage Commerce Corp.
|
$11.41 | $11.83 | $699.2M | 16.24x | $0.13 | 4.56% | 2.65x |
|
MBWM
Mercantile Bank Corp.
|
$46.56 | $52.80 | $756.8M | 8.82x | $0.38 | 3.22% | 2.03x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
46.04% | 0.917 | 96.49% | 0.00x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
29.26% | 1.048 | 45.29% | 0.00x |
|
COLB
Columbia Banking System, Inc.
|
28.29% | 1.283 | 39.91% | 0.00x |
|
HBAN
Huntington Bancshares, Inc.
|
44.12% | 1.337 | 62.8% | 0.00x |
|
HTBK
Heritage Commerce Corp.
|
8.9% | 1.147 | 11.24% | 0.00x |
|
MBWM
Mercantile Bank Corp.
|
53.02% | 1.195 | 101.47% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
-- | $12.4M | 5.71% | 11.01% | 62.3% | $27K |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
-- | $13.2M | 5.49% | 7.11% | 42.44% | $4.9M |
|
COLB
Columbia Banking System, Inc.
|
-- | $206M | 5.04% | 8.32% | 43.38% | $227.9M |
|
HBAN
Huntington Bancshares, Inc.
|
-- | $766M | 5.83% | 10.75% | 58.23% | $357M |
|
HTBK
Heritage Commerce Corp.
|
-- | $20.6M | 5.68% | 6.25% | 56.9% | $19.1M |
|
MBWM
Mercantile Bank Corp.
|
-- | $28M | 6.35% | 13.95% | 63.61% | $20.5M |
Citizens Financial Services, Inc. vs. Competitors
-
Which has Higher Returns CZFS or CCNE?
CNB Financial Corp. (Pennsylvania) has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 5.87%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat CNB Financial Corp. (Pennsylvania)'s return on equity of 7.11%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M CCNECNB Financial Corp. (Pennsylvania)-- $0.22 $1.2B -
What do Analysts Say About CZFS or CCNE?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 14.54%. On the other hand CNB Financial Corp. (Pennsylvania) has an analysts' consensus of $28.33 which suggests that it could grow by 6.8%. Given that Citizens Financial Services, Inc. has higher upside potential than CNB Financial Corp. (Pennsylvania), analysts believe Citizens Financial Services, Inc. is more attractive than CNB Financial Corp. (Pennsylvania).
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 CCNECNB Financial Corp. (Pennsylvania)2 1 0 -
Is CZFS or CCNE More Risky?
Citizens Financial Services, Inc. has a beta of 0.468, which suggesting that the stock is 53.191% less volatile than S&P 500. In comparison CNB Financial Corp. (Pennsylvania) has a beta of 0.743, suggesting its less volatile than the S&P 500 by 25.71%.
-
Which is a Better Dividend Stock CZFS or CCNE?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.47%. CNB Financial Corp. (Pennsylvania) offers a yield of 2.71% to investors and pays a quarterly dividend of $0.18 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. CNB Financial Corp. (Pennsylvania) pays out 29.75% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CZFS or CCNE?
Citizens Financial Services, Inc. quarterly revenues are $44.1M, which are smaller than CNB Financial Corp. (Pennsylvania) quarterly revenues of $119.2M. Citizens Financial Services, Inc.'s net income of $10M is higher than CNB Financial Corp. (Pennsylvania)'s net income of $7M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 7.98x while CNB Financial Corp. (Pennsylvania)'s PE ratio is 13.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Financial Services, Inc. is 1.58x versus 1.50x for CNB Financial Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CZFSCitizens Financial Services, Inc.1.58x 7.98x $44.1M $10M CCNECNB Financial Corp. (Pennsylvania)1.50x 13.38x $119.2M $7M
-
Which has Higher Returns CZFS or COLB?
Columbia Banking System, Inc. has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 11.77%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat Columbia Banking System, Inc.'s return on equity of 8.32%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M COLBColumbia Banking System, Inc.-- $0.40 $10.9B -
What do Analysts Say About CZFS or COLB?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 14.54%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $29.62 which suggests that it could grow by 5.09%. Given that Citizens Financial Services, Inc. has higher upside potential than Columbia Banking System, Inc., analysts believe Citizens Financial Services, Inc. is more attractive than Columbia Banking System, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 COLBColumbia Banking System, Inc.2 9 0 -
Is CZFS or COLB More Risky?
Citizens Financial Services, Inc. has a beta of 0.468, which suggesting that the stock is 53.191% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.624, suggesting its less volatile than the S&P 500 by 37.596%.
-
Which is a Better Dividend Stock CZFS or COLB?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.47%. Columbia Banking System, Inc. offers a yield of 5.15% to investors and pays a quarterly dividend of $0.37 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Columbia Banking System, Inc. pays out 56.48% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CZFS or COLB?
Citizens Financial Services, Inc. quarterly revenues are $44.1M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. Citizens Financial Services, Inc.'s net income of $10M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 7.98x while Columbia Banking System, Inc.'s PE ratio is 12.68x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Financial Services, Inc. is 1.58x versus 2.04x for Columbia Banking System, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CZFSCitizens Financial Services, Inc.1.58x 7.98x $44.1M $10M COLBColumbia Banking System, Inc.2.04x 12.68x $816M $96M
-
Which has Higher Returns CZFS or HBAN?
Huntington Bancshares, Inc. has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 19.82%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat Huntington Bancshares, Inc.'s return on equity of 10.75%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M HBANHuntington Bancshares, Inc.-- $0.41 $39.9B -
What do Analysts Say About CZFS or HBAN?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 14.54%. On the other hand Huntington Bancshares, Inc. has an analysts' consensus of $19.75 which suggests that it could grow by 16.86%. Given that Huntington Bancshares, Inc. has higher upside potential than Citizens Financial Services, Inc., analysts believe Huntington Bancshares, Inc. is more attractive than Citizens Financial Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 HBANHuntington Bancshares, Inc.13 4 0 -
Is CZFS or HBAN More Risky?
Citizens Financial Services, Inc. has a beta of 0.468, which suggesting that the stock is 53.191% less volatile than S&P 500. In comparison Huntington Bancshares, Inc. has a beta of 0.962, suggesting its less volatile than the S&P 500 by 3.82%.
-
Which is a Better Dividend Stock CZFS or HBAN?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.47%. Huntington Bancshares, Inc. offers a yield of 3.67% to investors and pays a quarterly dividend of $0.16 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Huntington Bancshares, Inc. pays out 50.83% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CZFS or HBAN?
Citizens Financial Services, Inc. quarterly revenues are $44.1M, which are smaller than Huntington Bancshares, Inc. quarterly revenues of $3.2B. Citizens Financial Services, Inc.'s net income of $10M is lower than Huntington Bancshares, Inc.'s net income of $633M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 7.98x while Huntington Bancshares, Inc.'s PE ratio is 11.88x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Financial Services, Inc. is 1.58x versus 2.04x for Huntington Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CZFSCitizens Financial Services, Inc.1.58x 7.98x $44.1M $10M HBANHuntington Bancshares, Inc.2.04x 11.88x $3.2B $633M
-
Which has Higher Returns CZFS or HTBK?
Heritage Commerce Corp. has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 21.52%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat Heritage Commerce Corp.'s return on equity of 6.25%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M HTBKHeritage Commerce Corp.-- $0.24 $768.4M -
What do Analysts Say About CZFS or HTBK?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 14.54%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $11.83 which suggests that it could grow by 3.71%. Given that Citizens Financial Services, Inc. has higher upside potential than Heritage Commerce Corp., analysts believe Citizens Financial Services, Inc. is more attractive than Heritage Commerce Corp..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 HTBKHeritage Commerce Corp.2 0 0 -
Is CZFS or HTBK More Risky?
Citizens Financial Services, Inc. has a beta of 0.468, which suggesting that the stock is 53.191% less volatile than S&P 500. In comparison Heritage Commerce Corp. has a beta of 0.813, suggesting its less volatile than the S&P 500 by 18.684%.
-
Which is a Better Dividend Stock CZFS or HTBK?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.47%. Heritage Commerce Corp. offers a yield of 4.56% to investors and pays a quarterly dividend of $0.13 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Heritage Commerce Corp. pays out 78.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CZFS or HTBK?
Citizens Financial Services, Inc. quarterly revenues are $44.1M, which are smaller than Heritage Commerce Corp. quarterly revenues of $68.3M. Citizens Financial Services, Inc.'s net income of $10M is lower than Heritage Commerce Corp.'s net income of $14.7M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 7.98x while Heritage Commerce Corp.'s PE ratio is 16.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Financial Services, Inc. is 1.58x versus 2.65x for Heritage Commerce Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CZFSCitizens Financial Services, Inc.1.58x 7.98x $44.1M $10M HTBKHeritage Commerce Corp.2.65x 16.24x $68.3M $14.7M
-
Which has Higher Returns CZFS or MBWM?
Mercantile Bank Corp. has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 24.74%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat Mercantile Bank Corp.'s return on equity of 13.95%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M MBWMMercantile Bank Corp.-- $1.46 $1.4B -
What do Analysts Say About CZFS or MBWM?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 14.54%. On the other hand Mercantile Bank Corp. has an analysts' consensus of $52.80 which suggests that it could grow by 13.4%. Given that Citizens Financial Services, Inc. has higher upside potential than Mercantile Bank Corp., analysts believe Citizens Financial Services, Inc. is more attractive than Mercantile Bank Corp..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 MBWMMercantile Bank Corp.1 2 0 -
Is CZFS or MBWM More Risky?
Citizens Financial Services, Inc. has a beta of 0.468, which suggesting that the stock is 53.191% less volatile than S&P 500. In comparison Mercantile Bank Corp. has a beta of 0.916, suggesting its less volatile than the S&P 500 by 8.449%.
-
Which is a Better Dividend Stock CZFS or MBWM?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.47%. Mercantile Bank Corp. offers a yield of 3.22% to investors and pays a quarterly dividend of $0.38 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Mercantile Bank Corp. pays out 28.78% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CZFS or MBWM?
Citizens Financial Services, Inc. quarterly revenues are $44.1M, which are smaller than Mercantile Bank Corp. quarterly revenues of $96M. Citizens Financial Services, Inc.'s net income of $10M is lower than Mercantile Bank Corp.'s net income of $23.8M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 7.98x while Mercantile Bank Corp.'s PE ratio is 8.82x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Financial Services, Inc. is 1.58x versus 2.03x for Mercantile Bank Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CZFSCitizens Financial Services, Inc.1.58x 7.98x $44.1M $10M MBWMMercantile Bank Corp.2.03x 8.82x $96M $23.8M
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