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CZFS Quote, Financials, Valuation and Earnings
Last price:
$64.75
Seasonality move
:
2.16%
Day range:
$60.01 - $68.29
52-week range:
$49.96 - $69.30
Dividend yield:
3.02%
P/E ratio:
8.61x
P/S ratio:
1.82x
P/B ratio:
0.93x
Volume:
11.4K
Avg. volume:
12.5K
1-year change:
3.53%
Market cap:
$315.9M
Revenue:
$173.2M
EPS (TTM):
$7.63
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 | $2.07 | -- | 22.21% | $65.00 |
|
COLB
Columbia Banking System, Inc.
|
$693.5M | $0.72 | -5.37% | 66.09% | $32.58 |
|
CZNC
Citizens & Northern Corp.
|
$35.4M | $0.59 | -8.08% | 42.51% | $23.50 |
|
FUNC
First United Corp.
|
$22.8M | $0.96 | -20.97% | 2.84% | $44.00 |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$117.9M | $0.88 | -21.78% | 16.24% | $34.40 |
|
PFS
Provident Financial Services, Inc.
|
$224.1M | $0.56 | -32.01% | 13.52% | $25.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
$65.72 | $65.00 | $315.9M | 8.61x | $0.50 | 3.02% | 1.82x |
|
COLB
Columbia Banking System, Inc.
|
$32.07 | $32.58 | $9.5B | 14.19x | $0.37 | 4.52% | 2.38x |
|
CZNC
Citizens & Northern Corp.
|
$23.49 | $23.50 | $418.7M | 15.92x | $0.28 | 4.77% | 2.20x |
|
FUNC
First United Corp.
|
$39.60 | $44.00 | $257.4M | 10.51x | $0.26 | 2.42% | 2.16x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$34.18 | $34.40 | $1.2B | 11.42x | $0.41 | 4.8% | 1.96x |
|
PFS
Provident Financial Services, Inc.
|
$23.79 | $25.00 | $3.1B | 10.66x | $0.24 | 4.04% | 2.25x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
47.79% | 0.744 | 112.9% | 0.00x |
|
COLB
Columbia Banking System, Inc.
|
32.89% | 0.966 | 46.53% | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
35.67% | 0.336 | 52.7% | 0.00x |
|
FUNC
First United Corp.
|
36.05% | 0.931 | 47.86% | 0.00x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
37.84% | 0.628 | 68.66% | 0.00x |
|
PFS
Provident Financial Services, Inc.
|
47.06% | 0.715 | 97.63% | 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.
|
-- | $12.9M | 5.9% | 11.52% | 62.67% | $27K |
|
COLB
Columbia Banking System, Inc.
|
-- | $321M | 5.55% | 8.78% | 54.11% | $227.9M |
|
CZNC
Citizens & Northern Corp.
|
-- | $12.3M | 4.78% | 7.87% | 36.79% | $8.5M |
|
FUNC
First United Corp.
|
-- | $7.9M | 7.24% | 12.81% | 53.11% | $168K |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
-- | $38M | 6.14% | 9.13% | 49.41% | $12.7M |
|
PFS
Provident Financial Services, Inc.
|
-- | $112.2M | 5.41% | 10.73% | 67.87% | $96.7M |
Citizens Financial Services, Inc. vs. Competitors
-
Which has Higher Returns CZFS or COLB?
Columbia Banking System, Inc. has a net margin of 23.57% compared to Citizens Financial Services, Inc.'s net margin of 22.68%. Citizens Financial Services, Inc.'s return on equity of 11.52% beat Columbia Banking System, Inc.'s return on equity of 8.78%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.18 $647.5M COLBColumbia Banking System, Inc.-- $0.72 $11.7B -
What do Analysts Say About CZFS or COLB?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling downside risk potential of -1.09%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $32.58 which suggests that it could grow by 1.58%. Given that Columbia Banking System, Inc. has higher upside potential than Citizens Financial Services, Inc., analysts believe Columbia Banking System, Inc. is more attractive than Citizens Financial Services, 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 0.423, which suggesting that the stock is 57.723% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.614, suggesting its less volatile than the S&P 500 by 38.588%.
-
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 3.02%. Columbia Banking System, Inc. offers a yield of 4.52% 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 63.04% 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 $44.5M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $948M. Citizens Financial Services, Inc.'s net income of $10.5M is lower than Columbia Banking System, Inc.'s net income of $215M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.61x while Columbia Banking System, Inc.'s PE ratio is 14.19x. 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 1.82x versus 2.38x 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.1.82x 8.61x $44.5M $10.5M COLBColumbia Banking System, Inc.2.38x 14.19x $948M $215M
-
Which has Higher Returns CZFS or CZNC?
Citizens & Northern Corp. has a net margin of 23.57% compared to Citizens Financial Services, Inc.'s net margin of 8.97%. Citizens Financial Services, Inc.'s return on equity of 11.52% beat Citizens & Northern Corp.'s return on equity of 7.87%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.18 $647.5M CZNCCitizens & Northern Corp.-- $0.25 $531.2M -
What do Analysts Say About CZFS or CZNC?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling downside risk potential of -1.09%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $23.50 which suggests that it could grow by 0.04%. Given that Citizens & Northern Corp. has higher upside potential than Citizens Financial Services, Inc., analysts believe Citizens & Northern Corp. is more attractive than Citizens Financial Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 CZNCCitizens & Northern Corp.0 1 0 -
Is CZFS or CZNC More Risky?
Citizens Financial Services, Inc. has a beta of 0.423, which suggesting that the stock is 57.723% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.553, suggesting its less volatile than the S&P 500 by 44.651%.
-
Which is a Better Dividend Stock CZFS or CZNC?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.02%. Citizens & Northern Corp. offers a yield of 4.77% to investors and pays a quarterly dividend of $0.28 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Citizens & Northern Corp. pays out 76.85% 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 CZNC?
Citizens Financial Services, Inc. quarterly revenues are $44.5M, which are smaller than Citizens & Northern Corp. quarterly revenues of $49.8M. Citizens Financial Services, Inc.'s net income of $10.5M is higher than Citizens & Northern Corp.'s net income of $4.5M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.61x while Citizens & Northern Corp.'s PE ratio is 15.92x. 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 1.82x versus 2.20x for Citizens & Northern 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.1.82x 8.61x $44.5M $10.5M CZNCCitizens & Northern Corp.2.20x 15.92x $49.8M $4.5M
-
Which has Higher Returns CZFS or FUNC?
First United Corp. has a net margin of 23.57% compared to Citizens Financial Services, Inc.'s net margin of 19.42%. Citizens Financial Services, Inc.'s return on equity of 11.52% beat First United Corp.'s return on equity of 12.81%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.18 $647.5M FUNCFirst United Corp.-- $0.89 $318.4M -
What do Analysts Say About CZFS or FUNC?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling downside risk potential of -1.09%. On the other hand First United Corp. has an analysts' consensus of $44.00 which suggests that it could grow by 11.11%. Given that First United Corp. has higher upside potential than Citizens Financial Services, Inc., analysts believe First United Corp. is more attractive than Citizens Financial Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 FUNCFirst United Corp.0 0 0 -
Is CZFS or FUNC More Risky?
Citizens Financial Services, Inc. has a beta of 0.423, which suggesting that the stock is 57.723% less volatile than S&P 500. In comparison First United Corp. has a beta of 0.543, suggesting its less volatile than the S&P 500 by 45.703%.
-
Which is a Better Dividend Stock CZFS or FUNC?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.02%. First United Corp. offers a yield of 2.42% to investors and pays a quarterly dividend of $0.26 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. First United Corp. pays out 25.46% 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 FUNC?
Citizens Financial Services, Inc. quarterly revenues are $44.5M, which are larger than First United Corp. quarterly revenues of $29.7M. Citizens Financial Services, Inc.'s net income of $10.5M is higher than First United Corp.'s net income of $5.8M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.61x while First United Corp.'s PE ratio is 10.51x. 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 1.82x versus 2.16x for First United 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.1.82x 8.61x $44.5M $10.5M FUNCFirst United Corp.2.16x 10.51x $29.7M $5.8M
-
Which has Higher Returns CZFS or PEBO?
Peoples Bancorp, Inc. (Ohio) has a net margin of 23.57% compared to Citizens Financial Services, Inc.'s net margin of 20.09%. Citizens Financial Services, Inc.'s return on equity of 11.52% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 9.13%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.18 $647.5M PEBOPeoples Bancorp, Inc. (Ohio)-- $0.89 $1.9B -
What do Analysts Say About CZFS or PEBO?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling downside risk potential of -1.09%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.40 which suggests that it could grow by 0.64%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Citizens Financial Services, Inc., analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Citizens Financial Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 PEBOPeoples Bancorp, Inc. (Ohio)1 4 0 -
Is CZFS or PEBO More Risky?
Citizens Financial Services, Inc. has a beta of 0.423, which suggesting that the stock is 57.723% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.683, suggesting its less volatile than the S&P 500 by 31.665%.
-
Which is a Better Dividend Stock CZFS or PEBO?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.02%. Peoples Bancorp, Inc. (Ohio) offers a yield of 4.8% to investors and pays a quarterly dividend of $0.41 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 54.52% 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 PEBO?
Citizens Financial Services, Inc. quarterly revenues are $44.5M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.8M. Citizens Financial Services, Inc.'s net income of $10.5M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $31.5M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.61x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 11.42x. 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 1.82x versus 1.96x for Peoples Bancorp, Inc. (Ohio). 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.1.82x 8.61x $44.5M $10.5M PEBOPeoples Bancorp, Inc. (Ohio)1.96x 11.42x $156.8M $31.5M
-
Which has Higher Returns CZFS or PFS?
Provident Financial Services, Inc. has a net margin of 23.57% compared to Citizens Financial Services, Inc.'s net margin of 23.63%. Citizens Financial Services, Inc.'s return on equity of 11.52% beat Provident Financial Services, Inc.'s return on equity of 10.73%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.18 $647.5M PFSProvident Financial Services, Inc.-- $0.64 $5.4B -
What do Analysts Say About CZFS or PFS?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling downside risk potential of -1.09%. On the other hand Provident Financial Services, Inc. has an analysts' consensus of $25.00 which suggests that it could grow by 5.09%. Given that Provident Financial Services, Inc. has higher upside potential than Citizens Financial Services, Inc., analysts believe Provident Financial Services, Inc. is more attractive than Citizens Financial Services, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 PFSProvident Financial Services, Inc.2 0 0 -
Is CZFS or PFS More Risky?
Citizens Financial Services, Inc. has a beta of 0.423, which suggesting that the stock is 57.723% less volatile than S&P 500. In comparison Provident Financial Services, Inc. has a beta of 0.865, suggesting its less volatile than the S&P 500 by 13.53%.
-
Which is a Better Dividend Stock CZFS or PFS?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.02%. Provident Financial Services, Inc. offers a yield of 4.04% to investors and pays a quarterly dividend of $0.24 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. Provident Financial Services, Inc. pays out 43.05% 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 PFS?
Citizens Financial Services, Inc. quarterly revenues are $44.5M, which are smaller than Provident Financial Services, Inc. quarterly revenues of $353.2M. Citizens Financial Services, Inc.'s net income of $10.5M is lower than Provident Financial Services, Inc.'s net income of $83.4M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.61x while Provident Financial Services, Inc.'s PE ratio is 10.66x. 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 1.82x versus 2.25x for Provident Financial Services, 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.1.82x 8.61x $44.5M $10.5M PFSProvident Financial Services, Inc.2.25x 10.66x $353.2M $83.4M
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