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CZFS Quote, Financials, Valuation and Earnings
Last price:
$58.40
Seasonality move
:
1.94%
Day range:
$57.60 - $58.99
52-week range:
$49.96 - $66.06
Dividend yield:
3.42%
P/E ratio:
8.17x
P/S ratio:
1.61x
P/B ratio:
0.85x
Volume:
3.8K
Avg. volume:
9K
1-year change:
-11.3%
Market cap:
$279.3M
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)
|
$73.1M | $0.79 | -22.23% | 18.85% | $28.33 |
|
COLB
Columbia Banking System, Inc.
|
$676.4M | $0.69 | -4.56% | 4.7% | $30.50 |
|
FIBK
First Interstate BancSystem, Inc.
|
$243.6M | $0.58 | -31.03% | 25.67% | $37.00 |
|
HTBK
Heritage Commerce Corp.
|
$50.1M | $0.21 | -24% | 34.73% | $13.00 |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$117.5M | $0.79 | -23.9% | 16.15% | $34.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
$58.10 | $65.00 | $279.3M | 8.17x | $0.50 | 3.42% | 1.61x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$26.82 | $28.33 | $790.6M | 13.53x | $0.18 | 2.69% | 1.52x |
|
COLB
Columbia Banking System, Inc.
|
$28.59 | $30.50 | $8.6B | 12.86x | $0.37 | 5.07% | 2.07x |
|
FIBK
First Interstate BancSystem, Inc.
|
$35.93 | $37.00 | $3.7B | 15.14x | $0.47 | 5.23% | 2.67x |
|
HTBK
Heritage Commerce Corp.
|
$12.54 | $13.00 | $768.5M | 17.84x | $0.13 | 4.15% | 2.91x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$30.53 | $34.00 | $1.1B | 10.68x | $0.41 | 5.34% | 1.75x |
| 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 |
|
FIBK
First Interstate BancSystem, Inc.
|
18.72% | 1.240 | 23.98% | 0.00x |
|
HTBK
Heritage Commerce Corp.
|
8.9% | 1.147 | 11.24% | 0.00x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
37.88% | 0.881 | 67.53% | 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 |
|
FIBK
First Interstate BancSystem, Inc.
|
-- | $92.6M | 4.72% | 7.26% | 52.96% | $84.3M |
|
HTBK
Heritage Commerce Corp.
|
-- | $20.6M | 5.68% | 6.25% | 56.9% | $19.1M |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
-- | $38M | 6.14% | 8.84% | 50.74% | $12.7M |
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 11.88%. On the other hand CNB Financial Corp. (Pennsylvania) has an analysts' consensus of $28.33 which suggests that it could grow by 5.64%. 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 3.42%. CNB Financial Corp. (Pennsylvania) offers a yield of 2.69% 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 8.17x while CNB Financial Corp. (Pennsylvania)'s PE ratio is 13.53x. 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 1.61x versus 1.52x 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.1.61x 8.17x $44.1M $10M CCNECNB Financial Corp. (Pennsylvania)1.52x 13.53x $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 11.88%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $30.50 which suggests that it could grow by 6.68%. 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 3.42%. Columbia Banking System, Inc. offers a yield of 5.07% 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 8.17x while Columbia Banking System, Inc.'s PE ratio is 12.86x. 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 1.61x versus 2.07x 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.1.61x 8.17x $44.1M $10M COLBColumbia Banking System, Inc.2.07x 12.86x $816M $96M
-
Which has Higher Returns CZFS or FIBK?
First Interstate BancSystem, Inc. has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 21.27%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat First Interstate BancSystem, Inc.'s return on equity of 7.26%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M FIBKFirst Interstate BancSystem, Inc.-- $0.69 $4.2B -
What do Analysts Say About CZFS or FIBK?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 11.88%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $37.00 which suggests that it could grow by 2.98%. Given that Citizens Financial Services, Inc. has higher upside potential than First Interstate BancSystem, Inc., analysts believe Citizens Financial Services, Inc. is more attractive than First Interstate BancSystem, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 FIBKFirst Interstate BancSystem, Inc.2 3 1 -
Is CZFS or FIBK 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 First Interstate BancSystem, Inc. has a beta of 0.824, suggesting its less volatile than the S&P 500 by 17.645%.
-
Which is a Better Dividend Stock CZFS or FIBK?
Citizens Financial Services, Inc. has a quarterly dividend of $0.50 per share corresponding to a yield of 3.42%. First Interstate BancSystem, Inc. offers a yield of 5.23% to investors and pays a quarterly dividend of $0.47 per share. Citizens Financial Services, Inc. pays 33.34% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 85.84% 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 FIBK?
Citizens Financial Services, Inc. quarterly revenues are $44.1M, which are smaller than First Interstate BancSystem, Inc. quarterly revenues of $335.7M. Citizens Financial Services, Inc.'s net income of $10M is lower than First Interstate BancSystem, Inc.'s net income of $71.4M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.17x while First Interstate BancSystem, Inc.'s PE ratio is 15.14x. 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 1.61x versus 2.67x for First Interstate BancSystem, 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.1.61x 8.17x $44.1M $10M FIBKFirst Interstate BancSystem, Inc.2.67x 15.14x $335.7M $71.4M
-
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 11.88%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $13.00 which suggests that it could grow by 3.67%. 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.1 2 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 3.42%. Heritage Commerce Corp. offers a yield of 4.15% 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 8.17x while Heritage Commerce Corp.'s PE ratio is 17.84x. 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 1.61x versus 2.91x 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.1.61x 8.17x $44.1M $10M HTBKHeritage Commerce Corp.2.91x 17.84x $68.3M $14.7M
-
Which has Higher Returns CZFS or PEBO?
Peoples Bancorp, Inc. (Ohio) has a net margin of 22.69% compared to Citizens Financial Services, Inc.'s net margin of 18.66%. Citizens Financial Services, Inc.'s return on equity of 11.01% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.
Company Gross Margin Earnings Per Share Invested Capital CZFSCitizens Financial Services, Inc.-- $2.09 $607.3M PEBOPeoples Bancorp, Inc. (Ohio)-- $0.83 $1.9B -
What do Analysts Say About CZFS or PEBO?
Citizens Financial Services, Inc. has a consensus price target of $65.00, signalling upside risk potential of 11.88%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 11.37%. Given that Citizens Financial Services, Inc. has higher upside potential than Peoples Bancorp, Inc. (Ohio), analysts believe Citizens Financial Services, Inc. is more attractive than Peoples Bancorp, Inc. (Ohio).
Company Buy Ratings Hold Ratings Sell Ratings CZFSCitizens Financial Services, Inc.1 0 0 PEBOPeoples Bancorp, Inc. (Ohio)1 5 0 -
Is CZFS or PEBO 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 Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.
-
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 3.42%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.34% 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 48.1% 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 $44.1M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Citizens Financial Services, Inc.'s net income of $10M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Citizens Financial Services, Inc.'s price-to-earnings ratio is 8.17x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.68x. 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 1.61x versus 1.75x 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.1.61x 8.17x $44.1M $10M PEBOPeoples Bancorp, Inc. (Ohio)1.75x 10.68x $156.6M $29.2M
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