Citizens Financial Services (CZFS) and Its Competitors Critical Review

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Citizens Financial Services (OTCMKTS: CZFS) is one of 266 publicly-traded companies in the “State commercial banks” industry, but how does it compare to its peers? We will compare Citizens Financial Services to similar companies based on the strength of its earnings, dividends, risk, valuation, profitability, analyst recommendations and institutional ownership.

Risk & Volatility

Citizens Financial Services has a beta of 0.12, meaning that its share price is 88% less volatile than the S&P 500. Comparatively, Citizens Financial Services’ peers have a beta of 0.75, meaning that their average share price is 25% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Citizens Financial Services and its peers, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Financial Services 0 0 1 0 3.00
Citizens Financial Services Competitors 2702 7443 5439 329 2.21

As a group, “State commercial banks” companies have a potential upside of 19.53%. Given Citizens Financial Services’ peers higher possible upside, analysts clearly believe Citizens Financial Services has less favorable growth aspects than its peers.

Dividends

Citizens Financial Services pays an annual dividend of $1.78 per share and has a dividend yield of 2.9%. Citizens Financial Services pays out 35.0% of its earnings in the form of a dividend. As a group, “State commercial banks” companies pay a dividend yield of 2.5% and pay out 30.5% of their earnings in the form of a dividend.

Valuation and Earnings

This table compares Citizens Financial Services and its peers gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Citizens Financial Services $64.49 million $18.03 million 11.89
Citizens Financial Services Competitors $1.45 billion $275.37 million 7.85

Citizens Financial Services’ peers have higher revenue and earnings than Citizens Financial Services. Citizens Financial Services is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares Citizens Financial Services and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens Financial Services 27.46% 13.26% 1.28%
Citizens Financial Services Competitors 22.67% 10.89% 1.20%

Insider & Institutional Ownership

1.7% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 48.2% of shares of all “State commercial banks” companies are owned by institutional investors. 12.3% of Citizens Financial Services shares are owned by company insiders. Comparatively, 11.0% of shares of all “State commercial banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Citizens Financial Services beats its peers on 8 of the 15 factors compared.

Citizens Financial Services Company Profile

Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank that 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 manages oil and gas matters related to the customers land; and mutual funds, annuities, and health and life insurance products. As of December 31, 2018, the company operated 26 full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, and Centre counties, Pennsylvania; and Allegany County, New York, as well as a limited branch office each in Union and Lancaster counties, Pennsylvania. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

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