Citizens Financial Services, Inc. (CZFS) vs MVB Financial Corp. (MVBF)
A side-by-side comparison of Citizens Financial Services, Inc. and MVB 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 MVBF
growth of $100 · dividends reinvested · last 10yCZFS vs MVBF: by the numbers
- •CZFS is the larger company ($387M vs $384M market cap).
- •CZFS trades at the lower trailing earnings multiple (9.42 vs 10.10 P/E), one valuation lens rather than an overall verdict.
- •CZFS converts more revenue to profit (23.34% vs 17.71% net margin).
- •MVBF grew revenue faster over the past five years (16.76% vs 14.96% CAGR).
- •CZFS pays the higher dividend yield (2.54% vs 2.27%).
Metrics side by side
Valuation
| Metric | CZFS | MVBF |
|---|---|---|
| P/E ratio | 9.42 | 10.10 |
| Forward P/E | 9.26 | 15.15 |
| PEG ratio | 2.37 | N/A |
| P/S ratio | 2.20 | 1.75 |
| P/B ratio | 1.10 | 1.12 |
Profitability
| Metric | CZFS | MVBF |
|---|---|---|
| Operating margin | 28.62% | 13.63% |
| Net margin | 23.34% | 17.71% |
| ROE | 11.63% | 11.26% |
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.
MVB 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 | MVBF |
|---|---|---|
| Dividend yield | 2.54% | 2.27% |
| Payout ratio | 23.63% | 22.97% |
Growth (annualized)
| Metric | CZFS | MVBF |
|---|---|---|
| Revenue CAGR (5Y) | 14.96% | 16.76% |
| EPS CAGR (5Y) | 3.98% | -7.58% |
| Total return CAGR (5Y) | 9.15% | -4.48% |
Frequently asked
- Which has the lower trailing P/E, CZFS or MVBF?
- CZFS has the lower trailing P/E: CZFS trades at 9.42 and MVBF at 10.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZFS or MVBF?
- Over the past five years, MVBF grew revenue faster — CZFS at a 14.96% CAGR versus MVBF at 16.76%.
- Does CZFS or MVBF pay a bigger dividend?
- CZFS yields 2.54% and MVBF yields 2.27% based on trailing dividends and the latest price.
- Is CZFS or MVBF more profitable?
- CZFS runs the higher net margin — CZFS at 23.34% versus MVBF at 17.71%.
- How have CZFS and MVBF total returns compared?
- Over the past 10 years, CZFS delivered 9.43% and MVBF delivered 11.36% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens Financial Services & MVB 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.