Want to see CZFS full AI Analyst Report?
CZFS Stock Chart & Stats
$74.88
$1.09(1.46%)
At close: 4:00 PM EDT
$74.88
$1.09(1.46%)
Day’s Range― - ―
52-Week Range$51.14 - $79.50
Previous Close$76.4
Volume33.08K
Average Volume (3M)9.06K
Market Cap
$372.48M
Enterprise Value$711.55
Total Cash (Recent Filing)$133.91M
Total Debt (Recent Filing)$198.74M
Price to Earnings (P/E)9.0
Beta1.03
Next Earnings
Oct 30, 2026EPS Estimate
2.2Next Dividend Ex-DateN/A
Dividend Yield2.59%
Share Statistics
EPS (TTM)8.20
Shares Outstanding4,804,936
10 Day Avg. Volume11,954
30 Day Avg. Volume9,062
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.81
Price to Sales (P/S)1.58
P/FCF Ratio7.76
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)8.23
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Revenue Growth And Healthy MarginsSustained, large TTM revenue expansion combined with high net and operating margins signals durable core banking profitability and pricing power across lending and deposit products. This supports long-term earnings resilience and capacity to invest in branches, digital channels, and risk buffers.
High Cash Conversion And FCF GenerationNear-one-to-one conversion of earnings to free cash flow means reported profits largely translate to tangible cash, supporting dividends, repurchases or loan growth without heavy external funding. Robust cash conversion strengthens financial flexibility over the medium term.
Improved Leverage And Rising ROEMaterial reduction in leverage and rising return on equity indicate a stronger capital base and lower balance-sheet risk. A more conservative capital structure enhances resilience to rate and credit cycles and creates room for shareholder returns or strategic investment.
Bears Say
Historical Cash Flow And Profit VariabilityPast swings in free cash flow and occasional declines imply earnings and cash generation are cyclical and sensitive to credit and interest-rate cycles. That variability can complicate steady capital return policies and necessitate larger reserves during downturns.
Emerging Credit-quality PressureRising NPAs and thinner reserve coverage represent structural risk to earnings and capital if trends persist. Higher loan-loss provisioning would reduce net income and capital ratios, constraining growth, dividend capacity, and increasing regulatory scrutiny over the medium term.
Executive Pay And Governance ConcernsNew supplemental retirement benefits and high executive compensation can raise fixed costs and signal weaker alignment with shareholders. Elevated pay and special benefits may pressure capital allocation priorities, reducing funds available for buybacks or reserves over time.
Citizens Financial Services News
CZFS FAQ
What was Citizens Financial Services Inc’s price range in the past 12 months?
Citizens Financial Services Inc lowest stock price was $51.14 and its highest was $79.50 in the past 12 months.
What is Citizens Financial Services Inc’s market cap?
Citizens Financial Services Inc’s market cap is $372.48M.
When is Citizens Financial Services Inc’s upcoming earnings report date?
Citizens Financial Services Inc’s upcoming earnings report date is Oct 30, 2026 which is in 87 days.
How were Citizens Financial Services Inc’s earnings last quarter?
Citizens Financial Services Inc released its earnings results on Jul 30, 2026. The company reported $2.12 earnings per share for the quarter, beating the consensus estimate of $1.98 by $0.14.
Is Citizens Financial Services Inc overvalued?
According to Wall Street analysts Citizens Financial Services Inc’s price is currently Overvalued.
Does Citizens Financial Services Inc pay dividends?
Citizens Financial Services Inc pays a Quarterly dividend of $0.51 which represents an annual dividend yield of 2.59%. See more information on Citizens Financial Services Inc dividends here
What is Citizens Financial Services Inc’s EPS estimate?
Citizens Financial Services Inc’s EPS estimate is 2.2.
How many shares outstanding does Citizens Financial Services Inc have?
Citizens Financial Services Inc has 4,804,936 shares outstanding.
What happened to Citizens Financial Services Inc’s price movement after its last earnings report?
Citizens Financial Services Inc reported an EPS of $2.12 in its last earnings report, beating expectations of $1.98. Following the earnings report the stock price went down -1.139%.
Which hedge fund is a major shareholder of Citizens Financial Services Inc?
Currently, no hedge funds are holding shares in CZFS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Financial Services Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
CZFS Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $6.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-7.29%
12-Months-Change
Fundamentals
Return on Equity
2.59%
Trailing 12-Months
Asset Growth
7.58%
Trailing 12-Months
Company Description
Citizens Financial Services Inc
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
Technical Analysis
Northeast Community Bancorp
―
Plumas Bancorp
―
Waterstone Financial
―
PCB Bancorp
―
John Marshall Bancorp
―
Ownership Overview
5.66% Insiders
8.13% Mutual Funds
4.63% Other Institutional Investors
70.37% Public Companies and
Individual Investors