Citizens Financial Services (CZFS) vs MVB Financial (MVBF)
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 MVB Financial (MVBF) over the past year, gaining 38.2% versus a gain of 10.1%. Over five years, CZFS leads with a +34.0% price change compared with -31.1% for MVBF. Citizens Financial Services is the larger company by market cap ($382.2 million vs $381.9 million), about 1.0 times the size.
On valuation, Citizens Financial Services trades at a lower forward P/E (9.0x vs 11.5x for MVB Financial). Citizens Financial Services offers the higher dividend yield (2.53% vs 2.31%).
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 | MVBF |
|---|---|---|
| Share price | $79.46 | $29.50 |
| Market cap | $382.19M | $381.94M |
| 1-day change | +0.66% | -0.27% |
| YTD return | +39.35% | +14.21% |
| 1-year return | +38.24% | +10.07% |
| 5-year return | +33.99% | -31.12% |
| P/E ratio (TTM) | 9.29 | 9.93 |
| Forward P/E | 9.02 | 11.54 |
| EPS (TTM) | $8.55 | $2.97 |
| Dividend yield | 2.53% | 2.31% |
| Annual dividend | $2.01 | $0.68 |
| 52-week high | $84.65 | $31.99 |
| 52-week low | $52.35 | $23.99 |
| Distance from 52-week high | -6.13% | -7.78% |
| Analyst consensus | none | buy |
| Avg. price target upside | +12.01% | +15.25% |
| Average volume | 34.33K | 51.36K |
| Shares outstanding | 4.81M | 12.95M |
| Employees | 388 | 403 |
| 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 MVBF by 28.2 percentage points over the past year.
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 MVB Financial
MVBF stock →MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients.
Finance · Major Banks · 403 employees
CZFS vs MVBF FAQ
Which is bigger, Citizens Financial Services or MVB Financial?
Citizens Financial Services (CZFS) is larger, with a market capitalization of $382.19M compared with $381.94M for MVB Financial (MVBF).
Which stock has performed better over the past year, CZFS or MVBF?
CZFS returned +38.24% over the past 12 months, compared with +10.07% for MVBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZFS or MVBF?
CZFS has the lower trailing P/E at 9.3, versus 9.9 for MVBF. 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 MVB Financial?
Citizens Financial Services has the higher yield at 2.53%, compared with 2.31% for MVB Financial.
Are Citizens Financial Services and MVB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.