Citizens Financial Services Inc. Common Stock (CZFS)vsHartford Financial Services Group (HIG)
CZFS
Citizens Financial Services Inc. Common Stock
$82.21
-1.09%
FINANCIAL SERVICES · Cap: $395.42M
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 25445% more annual revenue ($29.32B vs $114.76M). CZFS leads profitability with a 35.8% profit margin vs 14.9%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).
CZFS
Buy65
out of 100
Grade: C+
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 44.5%
Earnings expanding 20.5% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CZFS
The strongest argument for CZFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.8% and operating margin at 44.5%.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : CZFS
The primary concerns for CZFS are Market Cap, Debt/Equity, Free Cash Flow.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CZFS profiles as a mature stock while HIG is a value play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.45 — expect wider price swings.
CZFS is growing revenue faster at 10.0% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 65/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citizens Financial Services Inc. Common Stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Services, Inc. is the banking holding company of First Citizens Community Bank that offers a variety of banking products and services for individual, business, government and institutional clients. The company is headquartered in Mansfield, Pennsylvania.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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