Citizens Financial Services (CZFS) vs First Carolina Financial Services (FCBM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 11, 2026.
Summary
First Carolina Financial Services is the larger company by market cap ($395.8 million vs $375.4 million), about 1.1 times the size. On valuation, Citizens Financial Services trades at a lower forward P/E (8.9x vs 9.3x for First Carolina Financial Services). Citizens Financial Services pays a dividend yielding 2.58%, while First Carolina Financial Services 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 | CZFS | FCBM |
|---|---|---|
| Share price | $78.05 | $12.74 |
| Market cap | $375.41M | $395.82M |
| 1-day change | -1.77% | -0.47% |
| YTD return | +36.88% | — |
| 1-year return | +43.84% | — |
| 5-year return | +31.61% | — |
| P/E ratio (TTM) | 9.13 | 24.04 |
| Forward P/E | 8.86 | 9.32 |
| EPS (TTM) | $8.55 | $0.53 |
| Dividend yield | 2.58% | 0.00% |
| Annual dividend | $2.01 | $0.00 |
| 52-week high | $84.65 | $13.40 |
| 52-week low | $52.35 | $12.17 |
| Distance from 52-week high | -7.80% | -4.93% |
| Analyst consensus | none | buy |
| Avg. price target upside | +14.03% | +15.15% |
| Average volume | 34.39K | 146.94K |
| Shares outstanding | 4.81M | 31.07M |
| Employees | 388 | 269 |
| 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
- First Carolina Financial Services trades at a higher earnings multiple (24.0x vs 9.1x trailing P/E).
- Citizens Financial Services offers a meaningfully higher dividend yield (2.58% vs 0.00%).
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
About First Carolina Financial Services
FCBM stock →First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States.
Finance · Major Banks · 269 employees
CZFS vs FCBM FAQ
Which is bigger, Citizens Financial Services or First Carolina Financial Services?
First Carolina Financial Services (FCBM) is larger, with a market capitalization of $395.82M compared with $375.41M for Citizens Financial Services (CZFS).
Which has the lower P/E ratio, CZFS or FCBM?
CZFS has the lower trailing P/E at 9.1, versus 24.0 for FCBM. 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, Citizens Financial Services or First Carolina Financial Services?
Citizens Financial Services pays a dividend yielding 2.58%, while First Carolina Financial Services does not currently pay a regular dividend.
Are Citizens Financial Services and First Carolina Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.