CZFS vs. PCB, BCML, CIVB, SSBK, LNKB, TSBK, MVBF, FVCB, FRBA, and CHMG
Should you be buying Citizens Financial Services stock or one of its competitors? The main competitors of Citizens Financial Services include PCB Bancorp (PCB), BayCom (BCML), Civista Bancshares (CIVB), Southern States Bancshares (SSBK), LINKBANCORP (LNKB), Timberland Bancorp (TSBK), MVB Financial (MVBF), FVCBankcorp (FVCB), First Bank (FRBA), and Chemung Financial (CHMG). These companies are all part of the "finance" sector.
PCB Bancorp (NASDAQ:PCB) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, earnings, valuation, risk, community ranking, dividends, analyst recommendations, institutional ownership and media sentiment.
Citizens Financial Services received 6 more outperform votes than PCB Bancorp when rated by MarketBeat users. Likewise, 69.23% of users gave Citizens Financial Services an outperform vote while only 48.00% of users gave PCB Bancorp an outperform vote.
33.0% of PCB Bancorp shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 25.0% of PCB Bancorp shares are held by company insiders. Comparatively, 5.9% of Citizens Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
PCB Bancorp presently has a consensus target price of $17.00, suggesting a potential upside of 9.75%. Citizens Financial Services has a consensus target price of $53.00, suggesting a potential upside of 29.27%. Given PCB Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Citizens Financial Services is more favorable than PCB Bancorp.
PCB Bancorp has a net margin of 14.69% compared to PCB Bancorp's net margin of 11.63%. PCB Bancorp's return on equity of 10.43% beat Citizens Financial Services' return on equity.
In the previous week, Citizens Financial Services had 2 more articles in the media than PCB Bancorp. MarketBeat recorded 4 mentions for Citizens Financial Services and 2 mentions for PCB Bancorp. PCB Bancorp's average media sentiment score of 0.72 beat Citizens Financial Services' score of 0.39 indicating that Citizens Financial Services is being referred to more favorably in the news media.
PCB Bancorp has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500.
PCB Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 4.6%. Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.8%. PCB Bancorp pays out 41.1% of its earnings in the form of a dividend. Citizens Financial Services pays out 53.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. PCB Bancorp has raised its dividend for 5 consecutive years and Citizens Financial Services has raised its dividend for 3 consecutive years.
PCB Bancorp has higher revenue and earnings than Citizens Financial Services. PCB Bancorp is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks.
Summary
Citizens Financial Services beats PCB Bancorp on 13 of the 21 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CZFS and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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