Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
CZFS Stock Chart & Stats
$60.32
$0.32(0.53%)
At close: 4:00 PM EST
$60.32
$0.32(0.53%)
Day’s Range― - ―
52-Week Range$49.96 - $69.30
Previous CloseN/A
Volume4.69K
Average Volume (3M)9.06K
Market Cap
$322.61M
Enterprise Value$597.77M
Total Cash (Recent Filing)$479.03M
Total Debt (Recent Filing)$309.45M
Price to Earnings (P/E)7.5
Beta0.99
Next Earnings
Apr 30, 2026EPS Estimate
1.98Next Dividend Ex-DateN/A
Dividend Yield3.38%
Share Statistics
EPS (TTM)2.19
Shares Outstanding4,807,219
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 Cap1.85
Enterprise Value/Revenue3.45
Enterprise Value/Gross Profit5.44
Enterprise Value/Ebitda13.26
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)7.7
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving Revenue And ProfitabilitySustained revenue growth and improved profitability into 2024 and TTM 2025 indicate expanding core lending and fee activity. This suggests the bank is reaccelerating organic growth and restoring operating leverage, supporting durable earnings generation over the next several quarters.
Strong Cash Generation And Earnings QualityConsistent operating and free cash flow that track net income point to high earnings quality and convertibility. Reliable cash generation supports reinvestment, loan funding, and dividend/buyback capacity, making capital plans more sustainable across a 2–6 month horizon.
Capital Return Flexibility And LiquidityA board-authorized buyback funded from cash signals surplus liquidity and prudent capital allocation optionality. Combined with disclosed unused borrowing and brokered deposit capacity, this flexibility supports shareholder returns while preserving capacity to fund lending and absorb shocks.
Bears Say
Rising Nonperforming AssetsIncreasing nonperforming loans and thinner reserve coverage reduce the bank's loss-absorbing cushion and can drive higher provisions. Persisting asset-quality deterioration would depress net income and capital ratios, making credit costs a durable headwind for earnings.
Meaningful And Variable LeverageWhile leverage has recently declined, a history of leverage swings indicates sensitivity to funding and earning-asset mix changes. Material leverage can amplify earnings volatility and constrain capital flexibility during stress, limiting consistency of returns over cycles.
Cyclicality In Margins And ReturnsMargins and returns that peaked in 2021–2022 but have since moderated point to structural cyclicality in net interest margin and loan mix. This variability makes sustained margin expansion uncertain and can limit predictable long-term EPS growth absent structural revenue diversification.
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 $49.96 and its highest was $69.30 in the past 12 months.
What is Citizens Financial Services Inc’s market cap?
Citizens Financial Services Inc’s market cap is $322.61M.
When is Citizens Financial Services Inc’s upcoming earnings report date?
Citizens Financial Services Inc’s upcoming earnings report date is Apr 30, 2026 which is in 21 days.
How were Citizens Financial Services Inc’s earnings last quarter?
Citizens Financial Services Inc released its earnings results on Jan 29, 2026. The company reported $2.19 earnings per share for the quarter, beating the consensus estimate of $2.07 by $0.12.
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 $0.5 which represents an annual dividend yield of 3.38%. 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 1.98.
How many shares outstanding does Citizens Financial Services Inc have?
Citizens Financial Services Inc has 4,807,219 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 $2.19 in its last earnings report, beating expectations of $2.07. Following the earnings report the stock price went up 2.296%.
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
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10
Blogger Sentiment
Neutral
CZFS Sentiment 50%
Sector Average 66%
Sector Average 66%
Insider Transactions
Bought Shares
Worth $41.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-7.29%
12-Months-Change
Fundamentals
Return on Equity
11.36%
Trailing 12-Months
Asset Growth
1.27%
Trailing 12-Months
Company Description
Citizens Financial Services Inc
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
Technical Analysis
Northeast Community Bancorp
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Plumas Bancorp
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Waterstone Financial
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PCB Bancorp
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John Marshall Bancorp
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Ownership Overview
6.23% Insiders
7.83% Mutual Funds
5.05% Other Institutional Investors
70.59% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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