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 28.21%. On the other hand BCB Bancorp has an analysts' consensus of $12.25 which suggests that it could grow by 34.03%. 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 3.6%. BCB Bancorp offers a yield of 7% 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 9.33x while BCB Bancorp's PE ratio is 9.33x. 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 2.58x versus 1.64x for BCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Citigroup has a net margin of 30.46% compared to Citizens Financial Services's net margin of 14.58%. Citizens Financial Services's return on equity of 9.61% beat Citigroup's return on equity of 6.09%.

Citizens Financial Services has a consensus price target of $70.00, signalling upside risk potential of 28.21%. On the other hand Citigroup has an analysts' consensus of $86.82 which suggests that it could grow by 40.84%. Given that Citigroup has higher upside potential than Citizens Financial Services, analysts believe Citigroup 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 Citigroup has a beta of 1.289, suggesting its more volatile than the S&P 500 by 28.912%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.6%. Citigroup offers a yield of 3.59% to investors and pays a quarterly dividend of $0.56 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Citigroup pays out 41% 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 Citigroup quarterly revenues of $19.6B. Citizens Financial Services's net income of $8M is lower than Citigroup's net income of $2.9B. Notably, Citizens Financial Services's price-to-earnings ratio is 9.33x while Citigroup's PE ratio is 10.36x. 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 2.58x versus 1.47x for Citigroup. Usually stocks with elevated PS ratios are considered overvalued.

M&T Bank has a net margin of 30.46% compared to Citizens Financial Services's net margin of 28.83%. Citizens Financial Services's return on equity of 9.61% beat M&T Bank's return on equity of 9.21%.

Citizens Financial Services has a consensus price target of $70.00, signalling upside risk potential of 28.21%. On the other hand M&T Bank has an analysts' consensus of $207.24 which suggests that it could grow by 31.2%. Given that M&T Bank has higher upside potential than Citizens Financial Services, analysts believe M&T Bank 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 M&T Bank has a beta of 0.579, suggesting its less volatile than the S&P 500 by 42.127%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.6%. M&T Bank offers a yield of 3.42% to investors and pays a quarterly dividend of $1.35 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. M&T Bank pays out 39.92% 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 smaller than M&T Bank quarterly revenues of $2.4B. Citizens Financial Services's net income of $8M is lower than M&T Bank's net income of $681M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.33x while M&T Bank's PE ratio is 10.80x. 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 2.58x versus 2.86x for M&T Bank. 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 28.21%. On the other hand Bank OZK has an analysts' consensus of $51.88 which suggests that it could grow by 36.62%. 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 3.6%. Bank OZK offers a yield of 4.27% 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 9.33x while Bank OZK's PE ratio is 6.18x. 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 2.58x versus 2.61x for Bank OZK. Usually stocks with elevated PS ratios are considered overvalued.