Which has the lower trailing P/E, CZFS or FNLC?

CZFS has the lower trailing P/E: CZFS trades at 9.34 and FNLC at 10.03. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, CZFS or FNLC?

Over the past five years, CZFS grew revenue faster — CZFS at a 14.96% CAGR versus FNLC at 13.03%.

Does CZFS or FNLC pay a bigger dividend?

CZFS yields 2.54% and FNLC yields 4.38% based on trailing dividends and the latest price.

Is CZFS or FNLC more profitable?

CZFS runs the higher net margin — CZFS at 23.34% versus FNLC at 21.66%.

How have CZFS and FNLC total returns compared?

Over the past 10 years, CZFS delivered 9.43% and FNLC delivered 9.00% annualized total return. Past performance doesn't predict future results.

Citizens Financial Services, Inc. (CZFS) vs The First Bancorp, Inc. (FNLC)

A side-by-side comparison of Citizens Financial Services, Inc. and The First Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

CZFS

Citizens Financial Services, Inc.

$384M

$79.85Financial ServicesDelayed quote: Oct 6, 2026, 10:35 AM EDT

FNLC

The First Bancorp, Inc.

$381M

$33.81Financial ServicesDelayed quote: Oct 6, 2026, 10:35 AM EDT

Total return — CZFS vs FNLC

growth of $100 · dividends reinvested · last 10y

CZFS +148.8% (+9.5%/yr)FNLC +138.5% (+9.1%/yr)CZFS compounded faster over this window

CZFS FNLC

CZFS vs FNLC: by the numbers

•CZFS is the larger company ($384M vs $381M market cap).
•CZFS trades at the lower trailing earnings multiple (9.34 vs 10.03 P/E), one valuation lens rather than an overall verdict.
•CZFS converts more revenue to profit (23.34% vs 21.66% net margin).
•CZFS grew revenue faster over the past five years (14.96% vs 13.03% CAGR).
•FNLC pays the higher dividend yield (4.38% vs 2.54%).

Metrics side by side

Valuation

Metric	CZFS	FNLC
P/E ratio	9.34	10.03
Forward P/E	9.18	N/A
PEG ratio	2.35	2.30
P/S ratio	2.18	2.18
P/B ratio	1.09	1.30

Profitability

Metric	CZFS	FNLC
Operating margin	28.62%	23.76%
Net margin	23.34%	21.66%
ROE	11.63%	12.91%

Citizens Financial Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

The First Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	CZFS	FNLC
Dividend yield	2.54%	4.38%
Payout ratio	23.63%	44.51%

Growth (annualized)

Metric	CZFS	FNLC
Revenue CAGR (5Y)	14.96%	13.03%
EPS CAGR (5Y)	3.98%	4.40%
Total return CAGR (5Y)	9.15%	8.19%

Frequently asked

Which has the lower trailing P/E, CZFS or FNLC?: CZFS has the lower trailing P/E: CZFS trades at 9.34 and FNLC at 10.03. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, CZFS or FNLC?: Over the past five years, CZFS grew revenue faster — CZFS at a 14.96% CAGR versus FNLC at 13.03%.
Does CZFS or FNLC pay a bigger dividend?: CZFS yields 2.54% and FNLC yields 4.38% based on trailing dividends and the latest price.
Is CZFS or FNLC more profitable?: CZFS runs the higher net margin — CZFS at 23.34% versus FNLC at 21.66%.
How have CZFS and FNLC total returns compared?: Over the past 10 years, CZFS delivered 9.43% and FNLC delivered 9.00% annualized total return. Past performance doesn't predict future results.

Go deeper

Full CZFS analysis Full FNLC analysis Interactive comparison tool

Dig into the metrics

Citizens Financial Services P/E ratio First Bancorp P/E ratio Citizens Financial Services dividend yield First Bancorp dividend yield Citizens Financial Services ROE First Bancorp ROE Citizens Financial Services operating margin First Bancorp operating margin Citizens Financial Services revenue growth First Bancorp revenue growth

Citizens Financial Services & First Bancorp appear in these rankings

Highest Dividend Yield Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.