Citizens Financial Services (CZFS) vs Primis Financial (FRST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Primis Financial (FRST) has outperformed Citizens Financial Services (CZFS) over the past year, gaining 45.3% versus a gain of 38.2%. Over five years, CZFS leads with a +34.0% price change compared with +2.0% for FRST. Primis Financial is the larger company by market cap ($378.2 million vs $377.6 million), about 1.0 times the size.
On valuation, Primis Financial trades at a lower forward P/E (7.9x vs 8.9x for Citizens Financial Services). Primis Financial offers the higher dividend yield (2.62% vs 2.56%).
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 | FRST |
|---|---|---|
| Share price | $78.51 | $15.25 |
| Market cap | $377.60M | $378.19M |
| 1-day change | -1.20% | -0.52% |
| YTD return | +39.35% | +10.21% |
| 1-year return | +38.24% | +45.31% |
| 5-year return | +33.99% | +2.00% |
| P/E ratio (TTM) | 9.18 | 7.06 |
| Forward P/E | 8.91 | 7.92 |
| EPS (TTM) | $8.55 | $2.16 |
| Dividend yield | 2.56% | 2.62% |
| Annual dividend | $2.01 | $0.40 |
| 52-week high | $84.65 | $16.88 |
| 52-week low | $52.35 | $9.55 |
| Distance from 52-week high | -7.26% | -9.66% |
| Analyst consensus | none | strong_buy |
| Avg. price target upside | +13.37% | +24.20% |
| Average volume | 34.48K | 156.86K |
| Shares outstanding | 4.81M | 24.80M |
| Employees | 388 | 593 |
| 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
- Citizens Financial Services trades at a higher earnings multiple (9.2x vs 7.1x trailing P/E).
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 Primis Financial
FRST stock →Primis Financial Corp. operates as the bank holding company for Primis Bank that provides various financial services to individuals, and small and medium sized businesses in the United States.
Finance · Major Banks · 593 employees
CZFS vs FRST FAQ
Which is bigger, Citizens Financial Services or Primis Financial?
Primis Financial (FRST) is larger, with a market capitalization of $378.19M compared with $377.60M for Citizens Financial Services (CZFS).
Which stock has performed better over the past year, CZFS or FRST?
FRST returned +45.31% over the past 12 months, compared with +38.24% for CZFS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZFS or FRST?
FRST has the lower trailing P/E at 7.1, versus 9.2 for CZFS. 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 Primis Financial?
Primis Financial has the higher yield at 2.62%, compared with 2.56% for Citizens Financial Services.
Are Citizens Financial Services and Primis Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.