Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
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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$49.99 - $69.58
Previous CloseN/A
Volume4.69K
Average Volume (3M)9.06K
Market Cap
$294.78M
Enterprise Value$466.72M
Total Cash (Recent Filing)$74.17M
Total Debt (Recent Filing)$309.45M
Price to Earnings (P/E)7.1
Beta1.03
Next Earnings
Aug 03, 2026EPS Estimate
1.93Next Dividend Ex-DateN/A
Dividend Yield3.38%
Share Statistics
EPS (TTM)7.64
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 Cap1.58
Enterprise Value/Revenue2.69
Enterprise Value/Gross Profit4.25
Enterprise Value/Ebitda10.35
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
Revenue & Profitability ImprovementSustained revenue growth and recent margin expansion provide a stronger recurring earnings base that supports internal capital formation. Over 2–6 months this underpins loan growth, fee expansion and dividend/buyback capacity, reducing reliance on external financing and improving resilience to modest rate or loan mix shifts.
Solid Cash GenerationConsistent operating and free cash flow that approximates net income indicates high earnings quality and cash conversion. Durable cash generation supports funding for credit losses, discretionary buybacks, and technology investments without immediate capital raises, improving strategic flexibility across economic cycles.
Improving LeverageA lower debt-to-equity ratio and de-risked leverage profile strengthen capital posture and loss-absorption capacity. This enhances regulatory and funding flexibility, enabling measured balance sheet growth and supporting continued lending and liquidity management through 2–6 months of moderate stress.
Bears Say
Weakening Credit QualityRising NPAs and NPLs alongside only ~60.7% reserve coverage signal higher near-term provisioning risk. This can materially compress net income and capital, force higher loan-loss provisions, and constrain lending or buybacks if deterioration continues, making earnings more sensitive to local economic stress.
Leverage Volatility HistoryA track record of leverage swings increases the risk that earnings and capital will be more volatile across cycles. For a regional bank, this can limit strategic options during downturns, require quicker capital repairs after losses, and raise funding or regulatory scrutiny over a sustained 2–6 month horizon.
Cyclical Earnings Vs PeakAlthough recent margins improved, earnings remain beneath prior peaks, highlighting cyclical sensitivity. This implies future EPS depends on sustaining NIM, loan growth, and stable credit; adverse rate moves or higher provisions could quickly reverse gains and limit medium-term compounding of returns.
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 $49.99 and its highest was $69.58 in the past 12 months.
What is Citizens Financial Services Inc’s market cap?
Citizens Financial Services Inc’s market cap is $294.78M.
When is Citizens Financial Services Inc’s upcoming earnings report date?
Citizens Financial Services Inc’s upcoming earnings report date is Aug 03, 2026 which is in 91 days.
How were Citizens Financial Services Inc’s earnings last quarter?
Citizens Financial Services Inc released its earnings results on Apr 29, 2026. The company reported $2.16 earnings per share for the quarter, beating the consensus estimate of $1.98 by $0.18.
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 1.93.
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 $2.16 in its last earnings report, beating expectations of $1.98. Following the earnings report the stock price went down -3.363%.
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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Blogger Sentiment
Neutral
CZFS Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $41.9K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-7.29%
12-Months-Change
Fundamentals
Return on Equity
11.89%
Trailing 12-Months
Asset Growth
0.34%
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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Waterstone Financial
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PCB Bancorp
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John Marshall Bancorp
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Ownership Overview
6.32% Insiders
7.86% Mutual Funds
3.11% Other Institutional Investors
72.47% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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