Citizens Financial Competitors

CZFS Stock

USD 60.66 -1.13 -1.83%

The company conducts business in the Banks sector. Citizens Financial Services shares competitive overlap with LINKBANCORP, Northeast Community, Parke Bancorp, Timberland Bancorp, and CoastalSouth Bancshares, and similar firms. Working capital trends for Citizens Financial relative to peers can flag liquidity risks before they show up in earnings.

Citizens Financial vs Colony Bankcorp Correlation Overview

Poor diversification

Across the chosen horizon, Citizens Financial and Colony Bankcorp show a correlation of 0.64 and fall into the Poor diversification bucket. Lower overlap tends to improve diversification, while higher overlap means both positions carry similar risk.

Moving together with Citizens Stock

0.64

EFSC

Enterprise Financial

Pair Corr

Specify up to 10 symbols:

Mean reversion is the tendency of Citizens Financial's price to return to its historical average after periods of extreme deviation. Some analysts monitor this tendency by comparing Citizens Financial's price extremes to fundamental value.

Hype

Prediction

Low	Estimated	High
58.54	60.66	62.78

Details

Intrinsic

Valuation

Low	Real	High
59.98	62.10	64.22

Details

Naive

Forecast

Low	Next	High
57.88	60.01	62.13

Details

Analyst

Consensus

Low	Target	High
62.79	69.00	76.59

Details

Competitive analysis for Citizens Financial compares its financial performance and valuation against sector peers. This relative perspective often changes investment conclusions drawn from standalone analysis.

Citizens Financial Competition Correlation Matrix

Studying peer correlation around Citizens Financial Services gives investors a cleaner read on how much independent price behavior still exists across the competitive set. This matrix is most informative when investors want to know whether adding another peer would improve diversification, increase crowding, or leave total risk largely unchanged.

	LNKB	NECB	PKBK	TSBK	COSO	FDBC	FNLC	MBCN	CZNC	CBAN
LNKB		0.85	0.71	0.65	0.82	0.57	0.87	-0.26	0.85	0.82	LNKB
NECB	0.85		0.83	0.84	0.82	0.57	0.91	-0.48	0.9	0.9	NECB
PKBK	0.71	0.83		0.93	0.72	0.34	0.81	-0.52	0.92	0.94	PKBK
TSBK	0.65	0.84	0.93		0.74	0.39	0.84	-0.54	0.92	0.93	TSBK
COSO	0.82	0.82	0.72	0.74		0.75	0.86	-0.6	0.86	0.83	COSO
FDBC	0.57	0.57	0.34	0.39	0.75		0.65	-0.56	0.52	0.46	FDBC
FNLC	0.87	0.91	0.81	0.84	0.86	0.65		-0.43	0.91	0.9	FNLC
MBCN	-0.26	-0.48	-0.52	-0.54	-0.6	-0.56	-0.43		-0.52	-0.49	MBCN
CZNC	0.85	0.9	0.92	0.92	0.86	0.52	0.91	-0.52		0.97	CZNC
CBAN	0.82	0.9	0.94	0.93	0.83	0.46	0.9	-0.49	0.97		CBAN
	LNKB	NECB	PKBK	TSBK	COSO	FDBC	FNLC	MBCN	CZNC	CBAN

Please upgrade your account to get full access to Macroaxis premium features

High positive correlations

CBAN	+ 0.97	CZNC
CBAN	+ 0.94	PKBK
TSBK	+ 0.93	PKBK
CBAN	+ 0.93	TSBK
CZNC	+ 0.92	PKBK
CZNC	+ 0.92	TSBK

High negative correlations

MBCN	- 0.6	COSO
MBCN	- 0.56	FDBC
MBCN	- 0.54	TSBK
CZNC	- 0.52	MBCN
MBCN	- 0.52	PKBK
CBAN	- 0.49	MBCN

Risk-Adjusted Indicators

Headline performance for Citizens Stock may not fully reflect how the business compares across its competitive set. Peer-relative risk metrics add context on drawdown behavior, consistency, and return quality. These indicators are quantitative in nature and help investors evaluate volatility and risk-adjusted expected returns across different positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
LNKB	1.36	0.08	0.04	0.01	1.75	-1.47	2.18	-2.78	8.60
NECB	1.00	0.08	0.09	0.05	1.08	-1.31	3.01	-1.67	7.58
PKBK	0.99	0.22	0.19	0.24	1.07	-1.08	2.38	-2.00	6.75
TSBK	1.10	0.13	0.11	0.15	1.18	-1.22	2.80	-2.04	7.06
COSO	0.86	0.02	0.00	-0.03	0.00	0.00	1.61	-2.28	5.86
FDBC	1.45	-0.15	0.00	-4.66	0.00	0.00	3.51	-3.63	9.37
FNLC	1.36	0.07	0.04	0.00	1.55	-1.55	2.70	-2.78	8.15
MBCN	1.30	0.04	0.04	0.03	2.08	-1.19	3.57	-3.15	11.24
CZNC	1.18	0.08	0.07	0.06	1.45	-1.35	2.74	-2.56	7.63
CBAN	1.09	0.17	0.14	0.12	1.20	-1.41	2.26	-1.91	9.08

Peer Comparison: Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Citizens Financial financial statement analysis. It represents the amount of money remaining after all of Citizens Financial Services operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Compare Citizens Financial and related stocks such as LINKBANCORP, Northeast Community, and Parke Bancorp Net Income Over Time

Select Fundamental

	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
LNKB	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	4.2 M	289 K	5.6 M	-12 M	26.2 M	33.5 M	35.2 M
NECB	2 M	2.4 M	-2.5 M	1.1 M	1.7 M	2.3 M	5 M	8.1 M	13 M	13 M	12.3 M	11.9 M	24.8 M	46.3 M	47.1 M	44.4 M	46.6 M
PKBK	440 K	7.3 M	7.3 M	7.6 M	10.5 M	10.7 M	18.5 M	11.9 M	24.8 M	29.8 M	28.4 M	40.8 M	41.8 M	28.5 M	27.5 M	37.8 M	39.7 M
TSBK	3.3 M	4.6 M	4.8 M	5.8 M	8.3 M	10.2 M	14.2 M	16.7 M	24 M	24.3 M	27.6 M	23.6 M	27.1 M	24.3 M	29.2 M	33.5 M	35.2 M
FDBC	3.2 M	5 M	4.9 M	7.1 M	6.4 M	7.1 M	7.7 M	8.7 M	11 M	11.6 M	13 M	24 M	30 M	18.2 M	20.8 M	28.2 M	29.6 M
FNLC	2.7 M	12.4 M	12.7 M	13 M	14.7 M	16.2 M	18 M	19.6 M	23.5 M	25.5 M	27.1 M	36.3 M	39 M	29.5 M	27 M	34.4 M	36.1 M
MBCN	2.2 M	4.1 M	6.3 M	7 M	7.2 M	6.9 M	6.4 M	9.5 M	12.4 M	12.7 M	8.3 M	18.6 M	15.7 M	17.4 M	15.5 M	19.4 M	20.4 M
CZNC	7.5 M	23.4 M	22.7 M	18.6 M	17.1 M	16.5 M	15.8 M	13.4 M	22 M	19.5 M	19.2 M	30.6 M	26.6 M	24.1 M	26 M	23.4 M	16.1 M
CBAN	2.1 M	2.5 M	2.6 M	4.6 M	7.5 M	8.4 M	8.7 M	7.8 M	11.9 M	10.2 M	11.8 M	18.7 M	19.5 M	21.7 M	23.9 M	28.3 M	29.7 M

Citizens Financial Competitive Analysis

To gauge Citizens Financial's financial strength, comparing it with LINKBANCORP, Northeast Community, and Parke Bancorp offers useful context. Citizens Financial is valued at 297.0 M and generates 173.2 M in revenue. A 11.47% return on equity and 33.26% net margin underscore Citizens Financial's earnings capacity. LINKBANCORP carries a higher earnings multiple of 17.52x compared to 9.76x for Citizens Financial. Net profitability gives Northeast Community an edge at 42.33% versus Citizens Financial at 33.26%. Citizens Financial pulls in 173.2 M in revenue while Parke Bancorp reports 146.1 M.

Better Than Average

Worse Than Peers

View Performance Chart

	CZFS	LNKB	NECB	PKBK	TSBK	COSO	FDBC	FNLC	MBCN	CZNC
	1.83 60.66 Citizens	1.19 8.32 LINKBANCORP	0.25 23.88 Northeast	1.18 28.31 Parke	0.31 39.38 Timberland	0.42 24.12 CoastalSouth	5.00 44.31 Fidelity	1.21 27.81 First	2.58 33.67 Middlefield	1.98 22.11 Citizens
Market Volatility (90 Days Market Risk)	Very Low	Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low
Market Performance (90 Days Performance)	Mild	Weak	Contained	Balanced	Moderate	Weak	Weak	Mild	Weak	Moderate
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Low	Low	Low	Tiny	Low	Low	Tiny	Tiny	Low
Current Valuation (Equity Enterprise Value)	Fairly Valued	Fairly Valued	Under Valued	Under Valued	Over Valued	Fairly Valued	Fairly Valued	Fairly Valued	Fairly Valued	Under Valued
Buy or Sell Analysis (Average Analysts Consensus)	Strong Buy	Buy	Hold	Strong Sell	Strong Sell	Not Available	Not Available	Strong Sell	Hold	Hold
Trade Advice (90 Days Macroaxis Advice)	Buy	Strong Hold	Strong Buy	Strong Buy	Strong Buy	Strong Hold	Cautious Hold	Strong Hold	Not Rated	Strong Buy
Net Asset	3.06 B	3.07 B	2.06 B	2.25 B	2.01 B	1.61 B	2.75 B	3.17 B	1.9 B	3.13 B
Profit Margin	0.33	0.28	0.42	0.49	0.36	0.28	0.29	0.37	0.25	0.2
EBITDA	45.09 M	44.25 M	63.43 M	50.35 M	38.73 M	N/A	33.14 M	41.94 M	23.48 M	28.64 M
Operating Margin	0.47	0.25	0.59	0.69	0.49	0.38	0.38	0.51	0.32	0.35
Current Valuation	578.25 M	454.4 M	293.53 M	321.36 M	79.22 M	-12.95 M	135.31 M	470.58 M	412.57 M	542.99 M
Price To Book	0.88	1.03	0.94	1.0	1.12	1.33	1.04	1.11	1.19	1.14
Retained Earnings	213.62 M	42.3 M	244.97 M	197.67 M	236.61 M	N/A	158.81 M	240.46 M	121.93 M	171.21 M
Five Year Return	3.04	N/A	1.34	2.96	2.58	N/A	2.12	4.32	2.59	4.62
Beta	0.43	0.57	0.38	0.52	0.35	0.18	0.96	0.54	0.38	0.5
Number Of Employees	373	296	136	103	271	4	298	278	246	460
Shares Outstanding	4.81 M	37.47 M	13.83 M	11.84 M	7.88 M	8.89 M	5.77 M	11.27 M	8.13 M	17.91 M
Cash Flow From Operations	36.53 M	25.27 M	52.59 M	39.52 M	30.16 M	70.88 M	42.36 M	37.81 M	17.47 M	32 M
Annual Yield	0.0324	0.0357	0.0334	0.0255	0.0278	N/A	0.0363	0.0522	0.025	0.0508
Total Debt	309.45 M	130.56 M	80.03 M	143.4 M	23.08 M	34.59 M	16.87 M	187.82 M	186.45 M	193.05 M
Return On Equity	0.11	0.11	0.13	0.12	0.12	0.14	0.12	0.13	0.0882	0.0759
Z Score	N/A	N/A	N/A	N/A	N/A	3.0	N/A	N/A	N/A	N/A
Return On Asset	0.012	0.0113	0.0218	0.0172	0.0156	0.0101	0.0098	0.0109	0.0103	0.0082
Number Of Shares Shorted	36.54 K	325.06 K	84.47 K	102.35 K	31.29 K	N/A	20.5 K	58.91 K	35.36 K	280.26 K
Book Value Per Share	70.32	8.18	27.75	27.85	34.06	12.42	39.75	25.23	28.26	19.17
Total Asset	3.06 B	3.07 B	2.06 B	2.25 B	2.01 B	1.61 B	2.75 B	3.17 B	1.9 B	3.13 B
Debt To Equity	9.85	N/A	3.97	6.9	8.21	N/A	8.55	8.34	10.8	0.14
Short Ratio	3.43	1.88	2.75	1.79	1.54	N/A	3.62	5.48	0.72	6.55
Target Price	69.0	9.06	25.5	13.0	12.5	N/A	N/A	N/A	35.0	25.0
Last Dividend Paid	1.98	0.3	0.8	0.72	1.05	N/A	1.6	1.47	0.84	1.12
Shares Owned By Institutions	29.3	34.75	50.34	59.51	67.23	2.82	23.02	52.26	32.6	31.2
Market Capitalization	297.04 M	315.48 M	330.36 M	335.26 M	309.54 M	191.55 M	259.41 M	313.43 M	273.63 M	396 M
Price To Earning	9.76	17.52	14.17	8.52	10.8	20.0	14.82	8.81	9.9	15.69
Price To Earnings To Growth	N/A	N/A	N/A	0.43	2.94	N/A	N/A	N/A	N/A	1.21
Price To Sales	2.7	2.67	3.15	4.33	3.7	2.93	2.76	3.38	3.53	3.4
Net Income	36.57 M	33.51 M	44.41 M	37.77 M	29.16 M	12.32 M	28.2 M	34.39 M	19.42 M	23.43 M
Earnings Per Share	7.62	0.9	3.25	3.16	3.85	1.73	4.51	3.07	2.39	1.46
Shares Owned By Insiders	6.32	30.57	12.93	15.17	7.04	N/A	18.55	4.92	2.38	4.08
Revenue	173.24 M	175.41 M	157.37 M	146.08 M	110.49 M	50 M	140.4 M	177.61 M	112.31 M	154.19 M
Cash And Equivalents	46.88 M	74.08 M	86.33 M	193.34 M	446.04 M	85.7 M	109.24 M	99.19 M	128.58 M	64.04 M
Cash Per Share	11.8	7.53	5.77	16.22	54.07	9.95	19.39	8.98	22.29	4.13
Gross Profit	109.97 M	118.04 M	104.93 M	77.38 M	83.73 M	49.47 M	88.6 M	92.87 M	77.57 M	116.63 M
Day Typical Price	61.19	8.36	23.92	28.14	39.38	24.08	43.92	27.88	33.78	22.1
Accumulation Distribution	134.61	2305.77	623.17	1566.81	357.35	1367.19	0.0273	341.18	0.0417	1109.92
Market Facilitation Index	3.0E-4	0.0	0.0	0.0	0.0	0.0	1.21	0.0	1.44	0.0
Daily Balance Of Power	-0.71	-0.53	-0.11	0.541	0.2264	0.1538	1.743802	-0.62	-0.62	0.7167
Period Momentum Indicator	-1.13	-0.10	-0.06	0.33	0.12	0.1	2.11	-0.34	-0.89	0.43
Rate Of Daily Change	0.98	0.99	1.0	1.01	1.0	1.0	1.05	0.99	0.97	1.02
Day Median Price	61.46	8.38	23.95	28.06	39.39	24.06	43.72	27.92	33.84	22.1
Price Action Indicator	-1.36	-0.10	-0.1	0.42	0.055	0.12	1.64	-0.28	-0.61	0.22
Relative Strength Index	N/A	N/A	53.59	59.14	57.32	47.24	49.19	50.79	46.92	N/A
Coefficient Of Variation	-230,928	8498.54	3244.64	728.17	1534.23	-25,243	-1,401	18462.56	7488.84	3251.49
Mean Deviation	1.62	1.36	0.999	0.9851	1.1	0.8614	1.45	1.36	1.3	1.18
Jensen Alpha	0.0522	0.0809	0.0752	0.2219	0.1259	0.0213	-0.15	0.0681	0.0425	0.0803
Total Risk Alpha	0.1518	0.1461	0.1447	0.2791	0.2065	0.0755	0.002	0.1346	0.1599	0.1645
Sortino Ratio	N/A	0.0397	0.0862	0.1924	0.1129	N/A	N/A	0.0399	0.0355	0.066
Downside Variance	N/A	3.48	1.28	1.53	1.82	N/A	N/A	2.49	4.88	2.43
Standard Deviation	2.1	1.75	1.43	1.35	1.52	1.16	1.94	1.74	1.87	1.61
Kurtosis	0.2184	0.2148	1.56	0.8044	0.6623	0.7366	0.9278	0.2813	2.2	0.7237
Potential Upside	3.33	2.18	3.01	2.38	2.8	1.61	3.51	2.7	3.57	2.74
Treynor Ratio	-0.01	0.0095	0.0522	0.2352	0.1519	-0.03	-4.66	-0.0005	0.0344	0.0615
Maximum Drawdown	10.63	8.6	7.58	6.75	7.06	5.86	9.37	8.15	11.24	7.63
Variance	4.4	3.05	2.03	1.81	2.3	1.35	3.75	3.03	3.49	2.59
Market Risk Adjusted Performance	-0.001	0.0195	0.0622	0.2452	0.1619	-0.02	-4.65	0.0095	0.0444	0.0715
Risk Adjusted Performance	0.0057	0.0149	0.0295	0.1163	0.0579	-0.0003	-0.05	0.0097	0.0165	0.0301
Skewness	0.0767	-0.32	0.7422	0.3133	0.3446	-0.52	0.5306	0.3922	-0.39	0.0982
Semi Deviation	N/A	1.75	1.08	1.07	1.18	N/A	N/A	1.55	2.08	1.45
Information Ratio	0.0251	0.0424	0.0683	0.1771	0.1005	0.0421	-0.04	0.0361	0.042	0.064
Value At Risk	-3.45	-2.78	-1.67	-2.00	-2.04	-2.28	-3.63	-2.78	-3.15	-2.56
Expected Short fall	N/A	-1.47	-1.31	-1.08	-1.22	N/A	N/A	-1.55	-1.19	-1.35
Downside Deviation	N/A	1.86	1.13	1.24	1.35	N/A	N/A	1.58	2.21	1.56
Semi Variance	N/A	3.05	1.17	1.15	1.39	N/A	N/A	2.41	4.33	2.11

Citizens Financial Competition Peer Performance Charts

How to Analyze Citizens Financial Against Peers

Citizens Financial's peer analysis compares Citizens Financial with related companies to put valuation, quality, and risk metrics in context. This helps determine whether recent performance is company-specific or broadly sector-driven. A practical workflow includes:

Set a relevant peer group: Include direct competitors and close alternatives with comparable business exposure.
Benchmark core financials: Compare profitability, growth, capital structure, and cash flow quality.
Check valuation dispersion: Review whether Citizens Financial trades at a premium or discount versus peers and why.
Evaluate risk profile: Compare volatility, drawdowns, and correlation to avoid false diversification assumptions.
Document the thesis: Record where Citizens Financial leads or lags and what catalysts could close or widen the gap.

Use this as an educational baseline, then validate conclusions with current filings, market conditions, and portfolio objectives.

Peer Comparison Metrics & Methodology

Citizens Financial carries less net debt relative to EBITDA than most competitors, giving it more room to invest or weather downturns. Comparing micro-cap peers across Regional Banks, Banks - Regional, Financial Services can help separate structural strengths from temporary momentum. For peer comparison, Citizens Financial has a market cap of 297.04 M, P/E of 9.76, profit margin of 33.26%.

Citizens Financial Services metrics are compiled from periodic company reporting and market reference feeds and normalized before display. Professional analyst research is incorporated when coverage is available. Not all fields update in real time.

This content is curated and reviewed by:

Rifka Kats - Member of Macroaxis Editorial Board

Last reviewed on March 22nd, 2026

Macroaxis provides analytical tools and reference data for investors of all levels to evaluate holdings and assess risk across market volatility, economic shifts, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2026 Macroaxis LLC

Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Citizens Financial Competitors

Citizens Financial vs Colony Bankcorp Correlation Overview

Moving together with Citizens Stock

Specify up to 10 symbols:

Citizens Financial Competition Correlation Matrix

High positive correlations

High negative correlations

Risk-Adjusted Indicators

Peer Comparison: Net Income

Citizens Financial Competitive Analysis

Citizens Financial Competition Peer Performance Charts

How to Analyze Citizens Financial Against Peers

Peer Comparison Metrics & Methodology

This content is curated and reviewed by:

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY