CZFS Quote, Financials, Valuation and Earnings

Fifth Third Bancorp has a net margin of 30.05% compared to Citizens Financial Services's net margin of 27.78%. Citizens Financial Services's return on equity of 9.71% beat Fifth Third Bancorp's return on equity of 11.74%.

Citizens Financial Services has a consensus price target of --, signalling downside risk potential of -9.6%. On the other hand Fifth Third Bancorp has an analysts' consensus of $50.18 which suggests that it could grow by 16.88%. Given that Fifth Third Bancorp has higher upside potential than Citizens Financial Services, analysts believe Fifth Third Bancorp is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.537, which suggesting that the stock is 46.35% less volatile than S&P 500. In comparison Fifth Third Bancorp has a beta of 1.219, suggesting its more volatile than the S&P 500 by 21.923%.

Citizens Financial Services has a quarterly dividend of $0.49 per share corresponding to a yield of 2.95%. Fifth Third Bancorp offers a yield of 3.31% to investors and pays a quarterly dividend of $0.37 per share. Citizens Financial Services pays 47.74% of its earnings as a dividend. Fifth Third Bancorp pays out 45.13% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Financial Services quarterly revenues are $25.1M, which are smaller than Fifth Third Bancorp quarterly revenues of $2.1B. Citizens Financial Services's net income of $7.5M is lower than Fifth Third Bancorp's net income of $573M. Notably, Citizens Financial Services's price-to-earnings ratio is 11.52x while Fifth Third Bancorp's PE ratio is 14.26x. 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 is 3.16x versus 3.61x for Fifth Third Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Independent Bank has a net margin of 30.05% compared to Citizens Financial Services's net margin of 24.59%. Citizens Financial Services's return on equity of 9.71% beat Independent Bank's return on equity of 6.76%.

Citizens Financial Services has a consensus price target of --, signalling downside risk potential of -9.6%. On the other hand Independent Bank has an analysts' consensus of $59.50 which suggests that it could grow by 17.7%. Given that Independent Bank has higher upside potential than Citizens Financial Services, analysts believe Independent Bank is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.537, which suggesting that the stock is 46.35% less volatile than S&P 500. In comparison Independent Bank has a beta of 0.759, suggesting its less volatile than the S&P 500 by 24.077%.

Citizens Financial Services has a quarterly dividend of $0.49 per share corresponding to a yield of 2.95%. Independent Bank offers a yield of 3.42% to investors and pays a quarterly dividend of $0.57 per share. Citizens Financial Services pays 47.74% of its earnings as a dividend. Independent Bank pays out 40.92% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Financial Services quarterly revenues are $25.1M, which are smaller than Independent Bank quarterly revenues of $174.6M. Citizens Financial Services's net income of $7.5M is lower than Independent Bank's net income of $42.9M. Notably, Citizens Financial Services's price-to-earnings ratio is 11.52x while Independent Bank's PE ratio is 14.36x. 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 is 3.16x versus 4.13x for Independent Bank. Usually stocks with elevated PS ratios are considered overvalued.

Northfield Bancorp has a net margin of 30.05% compared to Citizens Financial Services's net margin of 20.51%. Citizens Financial Services's return on equity of 9.71% beat Northfield Bancorp's return on equity of 3.87%.

Citizens Financial Services has a consensus price target of --, signalling downside risk potential of -9.6%. On the other hand Northfield Bancorp has an analysts' consensus of $14.08 which suggests that it could grow by 17.36%. Given that Northfield Bancorp has higher upside potential than Citizens Financial Services, analysts believe Northfield Bancorp is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.537, which suggesting that the stock is 46.35% less volatile than S&P 500. In comparison Northfield Bancorp has a beta of 0.780, suggesting its less volatile than the S&P 500 by 22.032%.

Citizens Financial Services has a quarterly dividend of $0.49 per share corresponding to a yield of 2.95%. Northfield Bancorp offers a yield of 4.33% to investors and pays a quarterly dividend of $0.13 per share. Citizens Financial Services pays 47.74% of its earnings as a dividend. Northfield Bancorp pays out 60.51% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Financial Services quarterly revenues are $25.1M, which are smaller than Northfield Bancorp quarterly revenues of $31.8M. Citizens Financial Services's net income of $7.5M is higher than Northfield Bancorp's net income of $6.5M. Notably, Citizens Financial Services's price-to-earnings ratio is 11.52x while Northfield Bancorp's PE ratio is 18.75x. 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 is 3.16x versus 3.97x for Northfield Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Bank OZK has a net margin of 30.05% compared to Citizens Financial Services's net margin of 42.84%. Citizens Financial Services's return on equity of 9.71% beat Bank OZK's return on equity of 13.48%.

Citizens Financial Services has a consensus price target of --, signalling downside risk potential of -9.6%. On the other hand Bank OZK has an analysts' consensus of $52.25 which suggests that it could grow by 19.13%. Given that Bank OZK has higher upside potential than Citizens Financial Services, analysts believe Bank OZK is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.537, which suggesting that the stock is 46.35% less volatile than S&P 500. In comparison Bank OZK has a beta of 1.181, suggesting its more volatile than the S&P 500 by 18.145%.

Citizens Financial Services has a quarterly dividend of $0.49 per share corresponding to a yield of 2.95%. Bank OZK offers a yield of 3.6% to investors and pays a quarterly dividend of $0.41 per share. Citizens Financial Services pays 47.74% of its earnings as a dividend. Bank OZK pays out 25.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Financial Services quarterly revenues are $25.1M, which are smaller than Bank OZK quarterly revenues of $423M. Citizens Financial Services's net income of $7.5M is lower than Bank OZK's net income of $181.2M. Notably, Citizens Financial Services's price-to-earnings ratio is 11.52x while Bank OZK's PE ratio is 7.21x. 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 is 3.16x versus 3.02x for Bank OZK. Usually stocks with elevated PS ratios are considered overvalued.