CZFS Quote, Financials, Valuation and Earnings

Bar Harbor Bankshares has a net margin of 28.84% compared to Citizens Financial Services's net margin of 27.38%. Citizens Financial Services's return on equity of 9.63% beat Bar Harbor Bankshares's return on equity of 9.66%.

Citizens Financial Services has a consensus price target of $65.00, signalling upside risk potential of 12.59%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 10.06%. Given that Citizens Financial Services has higher upside potential than Bar Harbor Bankshares, analysts believe Citizens Financial Services is more attractive than Bar Harbor Bankshares.

Citizens Financial Services has a beta of 0.401, which suggesting that the stock is 59.915% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.687, suggesting its less volatile than the S&P 500 by 31.289%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.4%. Bar Harbor Bankshares offers a yield of 4.06% to investors and pays a quarterly dividend of $0.30 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% 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 Bar Harbor Bankshares quarterly revenues of $37.3M. Citizens Financial Services's net income of $7.6M is lower than Bar Harbor Bankshares's net income of $10.2M. Notably, Citizens Financial Services's price-to-earnings ratio is 9.65x while Bar Harbor Bankshares'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 2.68x versus 3.01x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

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 12.59%. On the other hand Fifth Third Bancorp has an analysts' consensus of $43.41 which suggests that it could grow by 18.26%. 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 0.401, which suggesting that the stock is 59.915% less volatile than S&P 500. In comparison Fifth Third Bancorp has a beta of 0.893, suggesting its less volatile than the S&P 500 by 10.711%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.4%. Fifth Third Bancorp offers a yield of 3.98% 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 9.65x while Fifth Third Bancorp's PE ratio is 11.65x. 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 3.02x for Fifth Third 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 12.59%. On the other hand Bank OZK has an analysts' consensus of $50.63 which suggests that it could grow by 15.09%. 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 0.401, which suggesting that the stock is 59.915% less volatile than S&P 500. In comparison Bank OZK has a beta of 0.847, suggesting its less volatile than the S&P 500 by 15.276%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.4%. Bank OZK offers a yield of 3.79% 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 9.65x while Bank OZK's PE ratio is 7.18x. 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 2.68x versus 3.01x 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 12.59%. On the other hand Univest Financial has an analysts' consensus of $31.67 which suggests that it could grow by 5.28%. 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 0.401, which suggesting that the stock is 59.915% less volatile than S&P 500. In comparison Univest Financial has a beta of 0.728, suggesting its less volatile than the S&P 500 by 27.161%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.4%. Univest Financial offers a yield of 2.83% 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 9.65x while Univest Financial's PE ratio is 11.27x. 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 2.93x for Univest Financial. Usually stocks with elevated PS ratios are considered overvalued.