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Citizens Financial Services (CZFS)
:CZFS
CZFS Stock Chart & Stats
$54.86
$0.32(0.53%)
At close: 4:00 PM EST
$54.86
$0.32(0.53%)
Day’s Range― - ―
52-Week Range$49.96 - $74.65
Previous CloseN/A
Volume4.69K
Average Volume (3M)8.38K
Market Cap
$275.26M
Enterprise Value$537.74M
Total Cash (Recent Filing)$482.43M
Total Debt (Recent Filing)$279.59M
Price to Earnings (P/E)8.1
Beta1.08
Next Earnings
Jan 22, 2026EPS Estimate
1.79Last Dividend Ex-Date
Sep 12, 2025Dividend Yield3.43%
Share Statistics
EPS (TTM)2.09
Shares Outstanding4,806,377
10 Day Avg. Volume7,515
30 Day Avg. Volume8,379
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.99
Price to Sales (P/S)1.77
P/FCF Ratio9.34
Enterprise Value/Market Cap1.95
Enterprise Value/Revenue3.34
Enterprise Value/Gross Profit20.52
Enterprise Value/Ebitda12.77
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.9
Revenue Forecast (FY)N/A
Citizens Financial Services News
CZFS FAQ
What was Citizens Financial Services’s price range in the past 12 months?
Citizens Financial Services lowest stock price was $49.96 and its highest was $74.65 in the past 12 months.
What is Citizens Financial Services’s market cap?
Citizens Financial Services’s market cap is $275.26M.
When is Citizens Financial Services’s upcoming earnings report date?
Citizens Financial Services’s upcoming earnings report date is Jan 22, 2026 which is in 70 days.
How were Citizens Financial Services’s earnings last quarter?
Citizens Financial Services released its earnings results on Oct 30, 2025. The company reported $2.09 earnings per share for the quarter, beating the consensus estimate of $1.76 by $0.33.
Is Citizens Financial Services overvalued?
According to Wall Street analysts Citizens Financial Services’s price is currently Overvalued.
Does Citizens Financial Services pay dividends?
Citizens Financial Services pays a Quarterly dividend of $0.5 which represents an annual dividend yield of 3.43%. See more information on Citizens Financial Services dividends here
What is Citizens Financial Services’s EPS estimate?
Citizens Financial Services’s EPS estimate is 1.79.
How many shares outstanding does Citizens Financial Services have?
Citizens Financial Services has 4,806,377 shares outstanding.
What happened to Citizens Financial Services’s price movement after its last earnings report?
Citizens Financial Services reported an EPS of $2.09 in its last earnings report, beating expectations of $1.76. Following the earnings report the stock price went up 1.213%.
Which hedge fund is a major shareholder of Citizens Financial Services?
Currently, no hedge funds are holding shares in CZFS
Citizens Financial Services Stock Smart Score
Neutral
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10
Blogger Sentiment
Bullish
CZFS Sentiment 70%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $179.3K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-14.65%
12-Months-Change
Fundamentals
Return on Equity
10.88%
Trailing 12-Months
Asset Growth
0.99%
Trailing 12-Months
Company Description
Citizens Financial Services
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
6.16% Insiders
8.05% Mutual Funds
0.10% Other Institutional Investors
75.80% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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