Citizens Financial Services (CZFS) vs Norwood Financial (NWFL)
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 Norwood Financial (NWFL) over the past year, gaining 38.2% versus a gain of 32.9%. Over five years, CZFS leads with a +34.0% price change compared with +32.1% for NWFL. Citizens Financial Services is the larger company by market cap ($380.3 million vs $368.6 million), about 1.0 times the size.
On valuation, Norwood Financial trades at a lower forward P/E (8.7x vs 9.0x for Citizens Financial Services). Norwood Financial offers the higher dividend yield (3.76% vs 2.54%).
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 | NWFL |
|---|---|---|
| Share price | $79.06 | $33.81 |
| Market cap | $380.27M | $368.60M |
| 1-day change | -0.50% | -0.18% |
| YTD return | +39.35% | +20.75% |
| 1-year return | +38.24% | +32.88% |
| 5-year return | +33.99% | +32.15% |
| P/E ratio (TTM) | 9.25 | 11.70 |
| Forward P/E | 8.97 | 8.73 |
| EPS (TTM) | $8.55 | $2.89 |
| Dividend yield | 2.54% | 3.76% |
| Annual dividend | $2.01 | $1.27 |
| 52-week high | $84.65 | $35.48 |
| 52-week low | $52.35 | $23.82 |
| Distance from 52-week high | -6.60% | -4.71% |
| Analyst consensus | none | none |
| Avg. price target upside | +12.57% | +7.96% |
| Average volume | 34.48K | 34.58K |
| Shares outstanding | 4.81M | 10.90M |
| Employees | 388 | 275 |
| 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
- Norwood Financial trades at a higher earnings multiple (11.7x vs 9.2x trailing P/E).
- Norwood Financial offers a meaningfully higher dividend yield (3.76% vs 2.54%).
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 Norwood Financial
NWFL stock →Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States.
Finance · Major Banks · 275 employees
CZFS vs NWFL FAQ
Which is bigger, Citizens Financial Services or Norwood Financial?
Citizens Financial Services (CZFS) is larger, with a market capitalization of $380.27M compared with $368.60M for Norwood Financial (NWFL).
Which stock has performed better over the past year, CZFS or NWFL?
CZFS returned +38.24% over the past 12 months, compared with +32.88% for NWFL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZFS or NWFL?
CZFS has the lower trailing P/E at 9.2, versus 11.7 for NWFL. 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 Norwood Financial?
Norwood Financial has the higher yield at 3.76%, compared with 2.54% for Citizens Financial Services.
Are Citizens Financial Services and Norwood Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.