Citizens Financial Services (NASDAQ:CZFS – Get Free Report) is one of 919 public companies in the “Banks” industry, but how does it contrast to its competitors? We will compare Citizens Financial Services to related companies based on the strength of its profitability, institutional ownership, dividends, analyst recommendations, valuation, earnings and risk.
Risk & Volatility
Citizens Financial Services has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Citizens Financial Services’ competitors have a beta of 0.61, suggesting that their average share price is 39% less volatile than the S&P 500.
Profitability
This table compares Citizens Financial Services and its competitors’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Citizens Financial Services | 23.90% | 12.46% | 1.39% |
| Citizens Financial Services Competitors | 15.65% | 9.44% | 0.93% |
Dividends
Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.4%. Citizens Financial Services pays out 22.8% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 28.9% of their earnings in the form of a dividend.
Analyst Recommendations
This is a summary of current ratings and price targets for Citizens Financial Services and its competitors, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Citizens Financial Services | 0 | 1 | 1 | 0 | 2.50 |
| Citizens Financial Services Competitors | 7483 | 30220 | 27793 | 1473 | 2.35 |
As a group, “Banks” companies have a potential upside of 16.79%. Given Citizens Financial Services’ competitors higher possible upside, analysts clearly believe Citizens Financial Services has less favorable growth aspects than its competitors.
Institutional & Insider Ownership
22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares Citizens Financial Services and its competitors gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Citizens Financial Services | $173.51 million | $36.57 million | 9.49 |
| Citizens Financial Services Competitors | $37.93 billion | $2.42 billion | 21.06 |
Citizens Financial Services’ competitors have higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Summary
Citizens Financial Services competitors beat Citizens Financial Services on 9 of the 15 factors compared.
About Citizens Financial Services
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
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