CZFS Quote, Financials, Valuation and Earnings

Citizens & Northern has a net margin of 28.84% compared to Citizens Financial Services's net margin of 23.66%. Citizens Financial Services's return on equity of 9.63% beat Citizens & Northern's return on equity of 9.91%.

Citizens Financial Services has a consensus price target of $64.00, signalling upside risk potential of 4.85%. On the other hand Citizens & Northern has an analysts' consensus of $21.00 which suggests that it could grow by 6.38%. Given that Citizens & Northern has higher upside potential than Citizens Financial Services, analysts believe Citizens & Northern is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.445, which suggesting that the stock is 55.5% less volatile than S&P 500. In comparison Citizens & Northern has a beta of 0.493, suggesting its less volatile than the S&P 500 by 50.694%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.27%. Citizens & Northern offers a yield of 5.66% to investors and pays a quarterly dividend of $0.28 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Citizens & Northern pays out 59.83% 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 Citizens & Northern quarterly revenues of $26.6M. Citizens Financial Services's net income of $7.6M is higher than Citizens & Northern's net income of $6.3M. Notably, Citizens Financial Services's price-to-earnings ratio is 10.11x while Citizens & Northern's PE ratio is 11.31x. 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 2.81x versus 2.81x for Citizens & Northern. Usually stocks with elevated PS ratios are considered overvalued.

Mid Penn Bancorp has a net margin of 28.84% compared to Citizens Financial Services's net margin of 29.21%. Citizens Financial Services's return on equity of 9.63% beat Mid Penn Bancorp's return on equity of 8.49%.

Citizens Financial Services has a consensus price target of $64.00, signalling upside risk potential of 4.85%. On the other hand Mid Penn Bancorp has an analysts' consensus of $35.00 which suggests that it could grow by 20.4%. Given that Mid Penn Bancorp has higher upside potential than Citizens Financial Services, analysts believe Mid Penn Bancorp is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.445, which suggesting that the stock is 55.5% less volatile than S&P 500. In comparison Mid Penn Bancorp has a beta of 0.635, suggesting its less volatile than the S&P 500 by 36.451%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.27%. Mid Penn Bancorp offers a yield of 2.75% to investors and pays a quarterly dividend of $0.20 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. Mid Penn Bancorp pays out 27.96% 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 Mid Penn Bancorp quarterly revenues of $47M. Citizens Financial Services's net income of $7.6M is lower than Mid Penn Bancorp's net income of $13.7M. Notably, Citizens Financial Services's price-to-earnings ratio is 10.11x while Mid Penn Bancorp's PE ratio is 10.09x. 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 2.81x versus 2.84x for Mid Penn Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

S&T Bancorp has a net margin of 28.84% compared to Citizens Financial Services's net margin of 35.63%. Citizens Financial Services's return on equity of 9.63% beat S&T Bancorp's return on equity of 9.82%.

Citizens Financial Services has a consensus price target of $64.00, signalling upside risk potential of 4.85%. On the other hand S&T Bancorp has an analysts' consensus of $41.00 which suggests that it could grow by 5.73%. Given that S&T Bancorp has higher upside potential than Citizens Financial Services, analysts believe S&T Bancorp is more attractive than Citizens Financial Services.

Citizens Financial Services has a beta of 0.445, which suggesting that the stock is 55.5% less volatile than S&P 500. In comparison S&T Bancorp has a beta of 0.892, suggesting its less volatile than the S&P 500 by 10.849%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.27%. S&T Bancorp offers a yield of 3.48% to investors and pays a quarterly dividend of $0.34 per share. Citizens Financial Services pays 33.44% of its earnings as a dividend. S&T Bancorp pays out 38.83% 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 S&T Bancorp quarterly revenues of $93.8M. Citizens Financial Services's net income of $7.6M is lower than S&T Bancorp's net income of $33.4M. Notably, Citizens Financial Services's price-to-earnings ratio is 10.11x while S&T Bancorp's PE ratio is 11.18x. 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 2.81x versus 3.92x for S&T Bancorp. 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 $64.00, signalling upside risk potential of 4.85%. On the other hand Univest Financial has an analysts' consensus of $31.67 which suggests that it could grow by 0.53%. 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 0.445, which suggesting that the stock is 55.5% less volatile than S&P 500. In comparison Univest Financial has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.539%.

Citizens Financial Services has a quarterly dividend of $0.50 per share corresponding to a yield of 3.27%. Univest Financial offers a yield of 2.7% 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 10.11x while Univest Financial's PE ratio is 11.80x. 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 2.81x versus 3.07x for Univest Financial. Usually stocks with elevated PS ratios are considered overvalued.