DBS Group (OTCMKTS:DBSDY) vs. Citizens Financial Services (NASDAQ:CZFS) Head to Head Comparison

Citizens Financial Services (NASDAQ:CZFS) and DBS Group (OTCMKTS:DBSDY) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, profitability, dividends, analyst recommendations, earnings, institutional ownership and risk.

Risk and Volatility

Citizens Financial Services has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500. Comparatively, DBS Group has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500.

Institutional and Insider Ownership

22.5% of Citizens Financial Services shares are held by institutional investors. Comparatively, 0.2% of DBS Group shares are held by institutional investors. 5.5% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Dividends

Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. DBS Group pays an annual dividend of $9.90 per share and has a dividend yield of 4.2%. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current ratings and price targets for Citizens Financial Services and DBS Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens Financial Services	0	1	1	1	3.00
DBS Group	0	1	0	1	3.00

Profitability

This table compares Citizens Financial Services and DBS Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citizens Financial Services	23.31%	12.06%	1.33%
DBS Group	N/A	N/A	N/A

Earnings & Valuation

This table compares Citizens Financial Services and DBS Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Services	$173.51 million	2.25	$36.57 million	$8.55	9.48
DBS Group	$28.07 billion	6.02	$8.37 billion	N/A	N/A

DBS Group has higher revenue and earnings than Citizens Financial Services.

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.

About DBS Group

DBS Group Holdings Ltd provides commercial banking and financial services in Singapore, Hong Kong, rest of Greater China, South and Southeast Asia, and internationally. The company’s Consumer Banking/Wealth Management segment offers banking and related financial services, including current and savings accounts, fixed deposits, loans and home finance, cards, payments, investment, and insurance products for individual customers. Its Institutional Banking segment provides financial services and products for bank and non-bank financial institutions, government-linked companies, large corporates, and small and medium sized businesses. Its products and services comprise short-term working capital financing and specialized lending; cash management, trade finance, and securities and fiduciary services; treasury and markets products; and corporate finance and advisory banking, as well as capital markets solutions. The company’s Treasury Markets segment is involved in the structuring, market-making, and trading in a range of treasury products. DBS Group Holdings Ltd was founded in 1968 and is headquartered in Singapore.