Citizens Financial Services Inc. Common Stock (CZFS)vsHartford Financial Services Group (HIG)
CZFS
Citizens Financial Services Inc. Common Stock
$77.26
+0.49%
FINANCIAL SERVICES · Cap: $343.55M
HIG
Hartford Financial Services Group
$145.68
+1.58%
FINANCIAL SERVICES · Cap: $38.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 25273% more annual revenue ($28.79B vs $113.47M). CZFS leads profitability with a 34.7% profit margin vs 14.1%. CZFS trades at a lower P/E of 8.7x. HIG earns a higher WallStSmart Score of 77/100 (B+).
CZFS
Strong Buy65
out of 100
Grade: B-
HIG
Strong Buy77
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 35 of every $100 in revenue as profit
Strong operational efficiency at 45.7%
Earnings expanding 36.0% 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 41.4% YoY
Areas to Watch
Smaller company, higher risk/reward
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 34.7% and operating margin at 45.7%. Revenue growth of 13.6% demonstrates continued momentum.
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.
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 0.47 — expect wider price swings.
CZFS is growing revenue faster at 13.6% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 65/100). Both earn "Strong Buy" and "Strong 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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