CZFS Quote, Financials, Valuation and Earnings

BCB Bancorp has a net margin of 30.46% compared to Citizens Financial Services's net margin of 14.15%. Citizens Financial Services's return on equity of 9.61% beat BCB Bancorp's return on equity of 5.8%.

Citizens Financial Services has a consensus price target of $70.00, signalling upside risk potential of 22.55%. On the other hand BCB Bancorp has an analysts' consensus of $12.25 which suggests that it could grow by 30.18%. Given that BCB Bancorp has higher upside potential than Citizens Financial Services, analysts believe BCB Bancorp is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.430, which suggesting that the stock is 56.997% less volatile than S&P 500. In comparison BCB Bancorp has a beta of 0.568, suggesting its less volatile than the S&P 500 by 43.157%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.44%. BCB Bancorp offers a yield of 6.8% to investors and pays a quarterly dividend of $0.16 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. BCB Bancorp pays out 65.92% 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 $26.2M, which are larger than BCB Bancorp quarterly revenues of $23.1M. Citizens Financial Services's net income of $8M is higher than BCB Bancorp's net income of $3.3M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.76x while BCB Bancorp's PE ratio is 9.60x. 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 2.69x versus 1.69x for BCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Financial Institutions has a net margin of 30.46% compared to Citizens Financial Services's net margin of 27.08%. Citizens Financial Services's return on equity of 9.61% beat Financial Institutions's return on equity of -8.54%.

Citizens Financial Services has a consensus price target of $70.00, signalling upside risk potential of 22.55%. On the other hand Financial Institutions has an analysts' consensus of $32.00 which suggests that it could grow by 42.48%. Given that Financial Institutions has higher upside potential than Citizens Financial Services, analysts believe Financial Institutions is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.430, which suggesting that the stock is 56.997% less volatile than S&P 500. In comparison Financial Institutions has a beta of 0.680, suggesting its less volatile than the S&P 500 by 32.019%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.44%. Financial Institutions offers a yield of 5.39% to investors and pays a quarterly dividend of $0.31 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Financial Institutions pays out -47.96% of its earnings as a dividend. Citizens Financial Services's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens Financial Services quarterly revenues are $26.2M, which are larger than Financial Institutions quarterly revenues of -$50.2M. Citizens Financial Services's net income of $8M is higher than Financial Institutions's net income of -$82.8M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.76x while Financial Institutions's PE ratio is 8.29x. 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 2.69x versus 3.10x for Financial Institutions. Usually stocks with elevated PS ratios are considered overvalued.

Fifth Third Bancorp has a net margin of 30.46% compared to Citizens Financial Services's net margin of 28.93%. Citizens Financial Services's return on equity of 9.61% beat Fifth Third Bancorp's return on equity of 11.83%.

Citizens Financial Services has a consensus price target of $70.00, signalling upside risk potential of 22.55%. On the other hand Fifth Third Bancorp has an analysts' consensus of $46.74 which suggests that it could grow by 35.87%. 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 0.430, which suggesting that the stock is 56.997% less volatile than S&P 500. In comparison Fifth Third Bancorp has a beta of 0.990, suggesting its less volatile than the S&P 500 by 0.975%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.44%. Fifth Third Bancorp offers a yield of 4.24% 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 $26.2M, which are smaller than Fifth Third Bancorp quarterly revenues of $2.1B. Citizens Financial Services's net income of $8M is lower than Fifth Third Bancorp's net income of $620M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.76x while Fifth Third Bancorp's PE ratio is 10.96x. 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 2.69x versus 2.86x for Fifth Third Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Bank OZK has a net margin of 30.46% compared to Citizens Financial Services's net margin of 44.18%. Citizens Financial Services's return on equity of 9.61% beat Bank OZK's return on equity of 13.21%.

Citizens Financial Services has a consensus price target of $70.00, signalling upside risk potential of 22.55%. On the other hand Bank OZK has an analysts' consensus of $51.88 which suggests that it could grow by 31.86%. 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 0.430, which suggesting that the stock is 56.997% less volatile than S&P 500. In comparison Bank OZK has a beta of 1.053, suggesting its more volatile than the S&P 500 by 5.261%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.44%. Bank OZK offers a yield of 4.22% 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 $26.2M, which are smaller than Bank OZK quarterly revenues of $412.3M. Citizens Financial Services's net income of $8M is lower than Bank OZK's net income of $182.2M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.76x while Bank OZK's PE ratio is 6.41x. 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 2.69x versus 2.70x for Bank OZK. Usually stocks with elevated PS ratios are considered overvalued.