Blue Ridge Bankshares (BRBS) vs Citizens Financial Services (CZFS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Citizens Financial Services (CZFS) has outperformed Blue Ridge Bankshares (BRBS) over the past year, gaining 38.2% versus a loss of 7.6%. Over five years, CZFS leads with a +34.0% price change compared with -79.0% for BRBS. Citizens Financial Services is the larger company by market cap ($382.2 million vs $349.8 million), about 1.1 times the size.
On valuation, Citizens Financial Services trades at a lower trailing P/E (9.3x vs 43.3x for Blue Ridge Bankshares). Citizens Financial Services pays a dividend yielding 2.53%, while Blue Ridge Bankshares does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BRBS | CZFS |
|---|---|---|
| Share price | $3.90 | $79.46 |
| Market cap | $349.78M | $382.19M |
| 1-day change | +0.52% | +0.66% |
| YTD return | -8.67% | +39.35% |
| 1-year return | -7.58% | +38.24% |
| 5-year return | -79.00% | +33.99% |
| P/E ratio (TTM) | 43.33 | 9.29 |
| Forward P/E | — | 9.02 |
| EPS (TTM) | $0.09 | $8.55 |
| Dividend yield | 0.00% | 2.53% |
| Annual dividend | $0.00 | $2.01 |
| 52-week high | $4.79 | $84.65 |
| 52-week low | $3.23 | $52.35 |
| Distance from 52-week high | -18.50% | -6.13% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +12.01% |
| Average volume | 976.42K | 34.33K |
| Shares outstanding | 89.69M | 4.81M |
| Employees | 269 | 388 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CZFS has outperformed BRBS by 45.8 percentage points over the past year.
- Blue Ridge Bankshares trades at a higher earnings multiple (43.3x vs 9.3x trailing P/E).
- Citizens Financial Services offers a meaningfully higher dividend yield (2.53% vs 0.00%).
About Blue Ridge Bankshares
BRBS stock →Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services.
Finance · Major Banks · 269 employees
About Citizens Financial Services
CZFS stock →Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including 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.
Finance · Major Banks · 388 employees
BRBS vs CZFS FAQ
Which is bigger, Blue Ridge Bankshares or Citizens Financial Services?
Citizens Financial Services (CZFS) is larger, with a market capitalization of $382.19M compared with $349.78M for Blue Ridge Bankshares (BRBS).
Which stock has performed better over the past year, BRBS or CZFS?
CZFS returned +38.24% over the past 12 months, compared with -7.58% for BRBS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BRBS or CZFS?
CZFS has the lower trailing P/E at 9.3, versus 43.3 for BRBS. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Blue Ridge Bankshares or Citizens Financial Services?
Citizens Financial Services pays a dividend yielding 2.53%, while Blue Ridge Bankshares does not currently pay a regular dividend.
Are Blue Ridge Bankshares and Citizens Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.