Citizens Financial Services, Inc. (CZFS) vs Northeast Community Bancorp, Inc. (NECB)
A side-by-side comparison of Citizens Financial Services, Inc. and Northeast Community 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.
Total return — CZFS vs NECB
growth of $100 · dividends reinvested · last 10yCZFS vs NECB: by the numbers
- •CZFS is the larger company ($383M vs $371M market cap).
- •NECB trades at the lower trailing earnings multiple (8.60 vs 9.32 P/E), one valuation lens rather than an overall verdict.
- •NECB converts more revenue to profit (27.87% vs 23.34% net margin).
- •NECB grew revenue faster over the past five years (25.02% vs 14.96% CAGR).
- •NECB pays the higher dividend yield (3.16% vs 2.54%).
Metrics side by side
Valuation
| Metric | CZFS | NECB |
|---|---|---|
| P/E ratio | 9.32 | 8.60 |
| Forward P/E | 9.16 | 9.04 |
| PEG ratio | 2.34 | 0.26 |
| P/S ratio | 2.18 | 2.44 |
| P/B ratio | 1.08 | 1.02 |
Profitability
| Metric | CZFS | NECB |
|---|---|---|
| Operating margin | 28.62% | 39.45% |
| Net margin | 23.34% | 27.87% |
| ROE | 11.63% | 11.70% |
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.
Northeast Community 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 | NECB |
|---|---|---|
| Dividend yield | 2.54% | 3.16% |
| Payout ratio | 23.63% | 27.24% |
Growth (annualized)
| Metric | CZFS | NECB |
|---|---|---|
| Revenue CAGR (5Y) | 14.96% | 25.02% |
| EPS CAGR (5Y) | 3.98% | 34.54% |
| Total return CAGR (5Y) | 9.15% | 23.36% |
Frequently asked
- Which has the lower trailing P/E, CZFS or NECB?
- NECB has the lower trailing P/E: CZFS trades at 9.32 and NECB at 8.60. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZFS or NECB?
- Over the past five years, NECB grew revenue faster — CZFS at a 14.96% CAGR versus NECB at 25.02%.
- Does CZFS or NECB pay a bigger dividend?
- CZFS yields 2.54% and NECB yields 3.16% based on trailing dividends and the latest price.
- Is CZFS or NECB more profitable?
- NECB runs the higher net margin — CZFS at 23.34% versus NECB at 27.87%.
- How have CZFS and NECB total returns compared?
- Over the past 10 years, CZFS delivered 9.43% and NECB delivered 19.92% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens Financial Services & Northeast Community Bancorp 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.