Citizens Financial Services (CZFS) vs PCB Bancorp (PCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Citizens Financial Services (CZFS) has outperformed PCB Bancorp (PCB) over the past year, gaining 40.5% versus a gain of 35.2%. Over five years, PCB leads with a +34.7% price change compared with +33.1% for CZFS. PCB Bancorp is the larger company by market cap ($391.1 million vs $378.8 million), about 1.0 times the size.
On valuation, Citizens Financial Services trades at a lower forward P/E (8.9x vs 9.2x for PCB Bancorp). PCB Bancorp offers the higher dividend yield (3.02% vs 2.55%).
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 | PCB |
|---|---|---|
| Share price | $78.75 | $27.85 |
| Market cap | $378.78M | $391.14M |
| 1-day change | -0.24% | +0.80% |
| YTD return | +38.44% | +27.62% |
| 1-year return | +40.51% | +35.18% |
| 5-year return | +33.11% | +34.71% |
| P/E ratio (TTM) | 9.21 | 9.64 |
| Forward P/E | 8.94 | 9.16 |
| EPS (TTM) | $8.55 | $2.89 |
| Dividend yield | 2.55% | 3.02% |
| Annual dividend | $2.01 | $0.84 |
| 52-week high | $84.65 | $30.84 |
| 52-week low | $52.35 | $19.70 |
| Distance from 52-week high | -6.97% | -9.70% |
| Analyst consensus | none | hold |
| Avg. price target upside | +13.02% | +8.62% |
| Average volume | 34.33K | 38.88K |
| Shares outstanding | 4.81M | 14.04M |
| Employees | 388 | 274 |
| 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.
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 PCB Bancorp
PCB stock →PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts.
Finance · Major Banks · 274 employees
CZFS vs PCB FAQ
Which is bigger, Citizens Financial Services or PCB Bancorp?
PCB Bancorp (PCB) is larger, with a market capitalization of $391.14M compared with $378.78M for Citizens Financial Services (CZFS).
Which stock has performed better over the past year, CZFS or PCB?
CZFS returned +40.51% over the past 12 months, compared with +35.18% for PCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZFS or PCB?
CZFS has the lower trailing P/E at 9.2, versus 9.6 for PCB. 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 PCB Bancorp?
PCB Bancorp has the higher yield at 3.02%, compared with 2.55% for Citizens Financial Services.
Are Citizens Financial Services and PCB Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.