CZFS Quote, Financials, Valuation and Earnings

Fifth Third Bancorp has a net margin of 28.84% compared to Citizens Financial Services's net margin of 24.76%. Citizens Financial Services's return on equity of 9.63% beat Fifth Third Bancorp's return on equity of 11.65%.

Citizens Financial Services has a consensus price target of $65.00, signalling upside risk potential of 12.71%. On the other hand Fifth Third Bancorp has an analysts' consensus of $44.57 which suggests that it could grow by 11%. Given that Citizens Financial Services has higher upside potential than Fifth Third Bancorp, analysts believe Citizens Financial Services is more attractive than Fifth Third Bancorp.

Citizens Financial Services has a beta of 0.458, which suggesting that the stock is 54.208% less volatile than S&P 500. In comparison Fifth Third Bancorp has a beta of 0.896, suggesting its less volatile than the S&P 500 by 10.407%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.43%. Fifth Third Bancorp offers a yield of 3.64% to investors and pays a quarterly dividend of $0.37 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Fifth Third Bancorp pays out 50.82% 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 $26.4M, which are smaller than Fifth Third Bancorp quarterly revenues of $2.1B. Citizens Financial Services's net income of $7.6M is lower than Fifth Third Bancorp's net income of $515M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.64x while Fifth Third Bancorp's PE ratio is 12.75x. 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 2.68x versus 3.30x for Fifth Third Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Mid Penn Bancorp has a net margin of 28.84% compared to Citizens Financial Services's net margin of 29.21%. Citizens Financial Services's return on equity of 9.63% beat Mid Penn Bancorp's return on equity of 8.49%.

Citizens Financial Services has a consensus price target of $65.00, signalling upside risk potential of 12.71%. On the other hand Mid Penn Bancorp has an analysts' consensus of $35.00 which suggests that it could grow by 26.49%. Given that Mid Penn Bancorp has higher upside potential than Citizens Financial Services, analysts believe Mid Penn Bancorp is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.458, which suggesting that the stock is 54.208% less volatile than S&P 500. In comparison Mid Penn Bancorp has a beta of 0.628, suggesting its less volatile than the S&P 500 by 37.211%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.43%. Mid Penn Bancorp offers a yield of 2.89% to investors and pays a quarterly dividend of $0.20 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Mid Penn Bancorp pays out 27.96% 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 $26.4M, which are smaller than Mid Penn Bancorp quarterly revenues of $47M. Citizens Financial Services's net income of $7.6M is lower than Mid Penn Bancorp's net income of $13.7M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.64x while Mid Penn Bancorp's PE ratio is 9.61x. 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 2.68x versus 2.70x for Mid Penn Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Bank OZK has a net margin of 28.84% compared to Citizens Financial Services's net margin of 42.02%. Citizens Financial Services's return on equity of 9.63% beat Bank OZK's return on equity of 12.82%.

Citizens Financial Services has a consensus price target of $65.00, signalling upside risk potential of 12.71%. On the other hand Bank OZK has an analysts' consensus of $50.63 which suggests that it could grow by 9.39%. Given that Citizens Financial Services has higher upside potential than Bank OZK, analysts believe Citizens Financial Services is more attractive than Bank OZK.

Citizens Financial Services has a beta of 0.458, which suggesting that the stock is 54.208% less volatile than S&P 500. In comparison Bank OZK has a beta of 0.854, suggesting its less volatile than the S&P 500 by 14.622%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.43%. Bank OZK offers a yield of 3.59% to investors and pays a quarterly dividend of $0.43 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Bank OZK pays out 27.31% 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 $26.4M, which are smaller than Bank OZK quarterly revenues of $409.2M. Citizens Financial Services's net income of $7.6M is lower than Bank OZK's net income of $172M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.64x while Bank OZK's PE ratio is 7.59x. 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 2.68x versus 3.18x for Bank OZK. Usually stocks with elevated PS ratios are considered overvalued.

Univest Financial has a net margin of 28.84% compared to Citizens Financial Services's net margin of 28.28%. Citizens Financial Services's return on equity of 9.63% beat Univest Financial's return on equity of 8.94%.

Citizens Financial Services has a consensus price target of $65.00, signalling upside risk potential of 12.71%. On the other hand Univest Financial has an analysts' consensus of $31.67 which suggests that it could grow by 9.05%. Given that Citizens Financial Services has higher upside potential than Univest Financial, analysts believe Citizens Financial Services is more attractive than Univest Financial.

Citizens Financial Services has a beta of 0.458, which suggesting that the stock is 54.208% less volatile than S&P 500. In comparison Univest Financial has a beta of 0.741, suggesting its less volatile than the S&P 500 by 25.925%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.43%. Univest Financial offers a yield of 2.93% to investors and pays a quarterly dividend of $0.22 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Univest Financial pays out 32.72% 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 $26.4M, which are smaller than Univest Financial quarterly revenues of $79.2M. Citizens Financial Services's net income of $7.6M is lower than Univest Financial's net income of $22.4M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.64x while Univest Financial's PE ratio is 10.88x. 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 is 2.68x versus 2.83x for Univest Financial. Usually stocks with elevated PS ratios are considered overvalued.