Citizens Financial Services (CZFS) vs USCB Financial (USCB)
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 USCB Financial (USCB) over the past year, gaining 38.2% versus a gain of 29.0%. Over five years, USCB leads with a +75.4% price change compared with +34.0% for CZFS. USCB Financial is the larger company by market cap ($408.8 million vs $382.2 million), about 1.1 times the size.
On valuation, Citizens Financial Services trades at a lower forward P/E (9.0x vs 9.5x for USCB Financial). Citizens Financial Services offers the higher dividend yield (2.53% vs 2.03%).
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 | USCB |
|---|---|---|
| Share price | $79.46 | $22.13 |
| Market cap | $382.19M | $408.84M |
| 1-day change | +0.66% | +0.68% |
| YTD return | +39.35% | +20.14% |
| 1-year return | +38.24% | +29.04% |
| 5-year return | +33.99% | +75.36% |
| P/E ratio (TTM) | 9.29 | 14.19 |
| Forward P/E | 9.02 | 9.53 |
| EPS (TTM) | $8.55 | $1.56 |
| Dividend yield | 2.53% | 2.03% |
| Annual dividend | $2.01 | $0.45 |
| 52-week high | $84.65 | $23.89 |
| 52-week low | $52.35 | $16.36 |
| Distance from 52-week high | -6.13% | -7.35% |
| Analyst consensus | none | none |
| Avg. price target upside | +12.01% | +10.03% |
| Average volume | 34.33K | 67.48K |
| Shares outstanding | 4.81M | 18.47M |
| Employees | 388 | 216 |
| 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
- USCB Financial trades at a higher earnings multiple (14.2x vs 9.3x 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 USCB Financial
USCB stock →USCB Financial Holdings, Inc. operates as the bank holding company for U.S.
Finance · Major Banks · 216 employees
CZFS vs USCB FAQ
Which is bigger, Citizens Financial Services or USCB Financial?
USCB Financial (USCB) is larger, with a market capitalization of $408.84M compared with $382.19M for Citizens Financial Services (CZFS).
Which stock has performed better over the past year, CZFS or USCB?
CZFS returned +38.24% over the past 12 months, compared with +29.04% for USCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZFS or USCB?
CZFS has the lower trailing P/E at 9.3, versus 14.2 for USCB. 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 USCB Financial?
Citizens Financial Services has the higher yield at 2.53%, compared with 2.03% for USCB Financial.
Are Citizens Financial Services and USCB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.