Citizens Financial Services, Inc. (CZFS) vs Primis Financial Corp (FRST)
A side-by-side comparison of Citizens Financial Services, Inc. and Primis Financial Corp 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.
Total return — CZFS vs FRST
growth of $100 · dividends reinvested · last 10yCZFS vs FRST: by the numbers
- •FRST is the larger company ($385M vs $383M market cap).
- •FRST trades at the lower trailing earnings multiple (7.17 vs 9.32 P/E), one valuation lens rather than an overall verdict.
- •CZFS converts more revenue to profit (23.34% vs 16.99% net margin).
- •FRST grew revenue faster over the past five years (19.91% vs 14.96% CAGR).
- •FRST pays the higher dividend yield (2.58% vs 2.54%).
Metrics side by side
Valuation
| Metric | CZFS | FRST |
|---|---|---|
| P/E ratio | 9.32 | 7.17 |
| Forward P/E | 9.16 | 11.14 |
| PEG ratio | 2.34 | 0.34 |
| P/S ratio | 2.18 | 1.23 |
| P/B ratio | 1.08 | 0.89 |
Profitability
| Metric | CZFS | FRST |
|---|---|---|
| Operating margin | 28.62% | 21.59% |
| Net margin | 23.34% | 16.99% |
| ROE | 11.63% | 12.24% |
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.
Primis Financial Corp: 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 | FRST |
|---|---|---|
| Dividend yield | 2.54% | 2.58% |
| Payout ratio | 23.63% | 18.52% |
Growth (annualized)
| Metric | CZFS | FRST |
|---|---|---|
| Revenue CAGR (5Y) | 14.96% | 19.91% |
| EPS CAGR (5Y) | 3.98% | 21.00% |
| Total return CAGR (5Y) | 9.15% | 4.57% |
Frequently asked
- Which has the lower trailing P/E, CZFS or FRST?
- FRST has the lower trailing P/E: CZFS trades at 9.32 and FRST at 7.17. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZFS or FRST?
- Over the past five years, FRST grew revenue faster — CZFS at a 14.96% CAGR versus FRST at 19.91%.
- Does CZFS or FRST pay a bigger dividend?
- CZFS yields 2.54% and FRST yields 2.58% based on trailing dividends and the latest price.
- Is CZFS or FRST more profitable?
- CZFS runs the higher net margin — CZFS at 23.34% versus FRST at 16.99%.
- How have CZFS and FRST total returns compared?
- Over the past 10 years, CZFS delivered 9.43% and FRST delivered 4.70% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens Financial Services & Primis Financial appear in these rankings
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.