stockrowCitizens Financial Services Inc. (CZFS) vs Fidelity D&D Bancorp Inc. (FDBC)
- Citizens Financial Services Inc. CZFS 85.51 −2.05%
- Fidelity D&D Bancorp Inc. FDBC 67.18 −4.12%
Citizens Financial Services Inc. and Fidelity D&D Bancorp Inc. are both Banks Regional companies. Citizens Financial Services Inc. and Fidelity D&D Bancorp Inc. are of similar size ($413.9M and $395.8M). Citizens Financial Services Inc. trades at the lower P/E: 9.6× against 12.7×. Fidelity D&D Bancorp Inc. grew revenue faster over the last twelve months: 8.42% against 4.45%. Citizens Financial Services Inc. has the higher net margin (23.9% vs 21.1%) and the lower return on invested capital (0.00% vs 44.1%). Both pay a dividend; Fidelity D&D Bancorp Inc. yields more (2.56% vs 2.36%). Across the 19 metrics below, Fidelity D&D Bancorp Inc. leads on 10 and Citizens Financial Services Inc. on 9.
Valuation
Profitability
| Metric | CZFS | FDBC | Banks Regional median |
|---|---|---|---|
| Gross margin | 67.14% | 68.19% | 69.81% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 23.90% | 21.12% | 18.82% |
| Free cash flow margin | 21.81% | 19.34% | 17.97% |
| Return on equity | 12.66% | 13.00% | 10.28% |
| Return on assets | 1.33% | 1.08% | 1.13% |
| Return on invested capital | 0.00% | 44.07% | 8.45% |
Growth
Health
Dividend
Size
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