Citizens Financial Services (CZFS) vs First Bancorp (ME) (FNLC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Citizens Financial Services (CZFS) has outperformed First Bancorp (ME) (FNLC) over the past year, gaining 38.7% versus a gain of 32.8%. Over five years, CZFS leads with a +34.0% price change compared with +11.6% for FNLC. Citizens Financial Services is the larger company by market cap ($375.4 million vs $372.0 million), about 1.0 times the size.
On valuation, Citizens Financial Services trades at a lower trailing P/E (9.4x vs 9.9x for First Bancorp (ME)). First Bancorp (ME) offers the higher dividend yield (4.52% vs 2.58%).
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 | FNLC |
|---|---|---|
| Share price | $78.05 | $32.97 |
| Market cap | $375.41M | $371.98M |
| 1-day change | -1.77% | -1.41% |
| YTD return | +36.88% | +24.70% |
| 1-year return | +38.71% | +32.78% |
| 5-year return | +33.99% | +11.61% |
| P/E ratio (TTM) | 9.43 | 9.93 |
| Forward P/E | 8.86 | — |
| EPS (TTM) | $8.28 | $3.32 |
| Dividend yield | 2.58% | 4.52% |
| Annual dividend | $2.01 | $1.49 |
| 52-week high | $84.65 | $36.30 |
| 52-week low | $52.35 | $24.16 |
| Distance from 52-week high | -7.80% | -9.17% |
| Analyst consensus | none | — |
| Avg. price target upside | +14.03% | — |
| Average volume | 34.48K | 33.85K |
| Shares outstanding | 4.81M | 11.28M |
| Employees | 388 | 278 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
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 Bancorp (ME) offers a meaningfully higher dividend yield (4.52% vs 2.58%).
- The two companies sit in different sectors: Citizens Financial Services in Finance and First Bancorp (ME) in Financial Services.
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 Bancorp (ME)
FNLC stock →The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers.
Financial Services · Banks - Regional · 278 employees
CZFS vs FNLC FAQ
Which is bigger, Citizens Financial Services or First Bancorp (ME)?
Citizens Financial Services (CZFS) is larger, with a market capitalization of $375.41M compared with $371.98M for First Bancorp (ME) (FNLC).
Which stock has performed better over the past year, CZFS or FNLC?
CZFS returned +38.71% over the past 12 months, compared with +32.78% for FNLC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZFS or FNLC?
CZFS has the lower trailing P/E at 9.4, versus 9.9 for FNLC. 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 Bancorp (ME)?
First Bancorp (ME) has the higher yield at 4.52%, compared with 2.58% for Citizens Financial Services.
Are Citizens Financial Services and First Bancorp (ME) in the same industry?
No. Citizens Financial Services is in the Finance sector, while First Bancorp (ME) is in Financial Services.