Citizens Financial Services vs Norwood Financial
CZFS and NWFL side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CZFS and NWFL compare
Citizens Financial Services and Norwood Financial are about the same size, with market caps of $410M and $392M.
On earnings, Citizens Financial Services is cheaper: it trades at 9.5× trailing earnings, against 11.7× for Norwood Financial.
Norwood Financial grew revenue faster over the last twelve months (14.6% versus −0.70% for Citizens Financial Services).
Citizens Financial Services keeps more of each dollar of sales as profit, with a net margin of 438% compared with 360% at Norwood Financial.
Both pay dividends: Citizens Financial Services yields 2.4% and Norwood Financial 3.6%.
Norwood Financial scores higher on the StockData Score (18 against 17 for Citizens Financial Services), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CZFS | NWFL |
|---|---|---|
| Size and price | ||
| Market cap | $410M | $392M |
| Share price | $85.15 | $35.96 |
| Change, 1 year | 51.8% | 33.3% |
| Change, 5 years | 42.2% | 32.1% |
| Beta (5Y) | 0.59 | 0.40 |
| Employees | 405 | – |
| StockData Score | ||
| Total score | 17 | 18 (better) |
| Valuation score | 4 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 5 | 5 |
| Health score | 3 | 6 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 9.5× (better) | 11.7× |
| P/S | 41.8× (better) | 43.7× |
| P/B | 1.2× (better) | 1.4× |
| P/FCF | 10.4× | 9.8× (better) |
| PEG | 4.65 | – |
| FCF yield | 9.6% | 10.2% (better) |
| Fair value | $90.64 | $33.16 |
| Margin of safety | 6.1% (better) | −8.4% |
| Growth | ||
| Revenue growth (TTM) | −0.70% | 14.6% (better) |
| Revenue growth, 5Y average | 8.2% (better) | 5.2% |
| Net income growth (TTM) | 26.1% | 321% (better) |
| EPS growth (TTM) | 25.9% | 374% (better) |
| EPS growth, 5Y average | 3.4% | 7.6% (better) |
| Profitability | ||
| Net margin | 438% (better) | 360% |
| FCF margin | 400% | 444% (better) |
| Return on equity | 12.7% (better) | 12.5% |
| Financial health | ||
| Debt / equity | – | 0.20 |
| Altman Z-score | 0.18 (better) | 0.16 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.4% | 3.6% (better) |
| Payout ratio | 22.6% | 41.4% |
| Years of dividend growth | 4 (better) | 2 |
| Dividend growth, 5Y average | 1.0% | 4.4% (better) |
| Buyback yield | 0.06% | – |
| Shareholder yield | 2.4% | 3.6% (better) |
| Ownership | ||
| Held by institutions | 30.9% | 40.6% |
| Held by insiders | 5.9% | 8.9% |
| Insider net buying, 12 months | $63.1K | $376K (better) |
| Short interest, % of float | 1.2% | 1.3% |
Go deeper
- CZFS stock overview
- CZFS income statement
- CZFS valuation and score
- NWFL stock overview
- NWFL income statement
- NWFL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.