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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 - $74.70
Previous CloseN/A
Volume4.69K
Average Volume (3M)9.06K
Market Cap
$343.31M
Enterprise Value$481.10M
Total Cash (Recent Filing)$133.91M
Total Debt (Recent Filing)$198.74M
Price to Earnings (P/E)8.6
Beta1.02
Next Earnings
Jul 30, 2026EPS Estimate
1.98Next Dividend Ex-DateN/A
Dividend Yield3.38%
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 Cap1.40
Enterprise Value/Revenue2.75
Enterprise Value/Gross Profit4.25
Enterprise Value/Ebitda9.79
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)7.81
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High Profitability And MarginsSustained high TTM margins indicate strong core earning power driven by net interest income and fee mix. A durable operating margin near 28% supports internal capital generation, funds dividends/repurchases, and provides a buffer against credit deterioration and rate pressure over several quarters.
Improved Leverage And CapitalDebt-to-equity falling to ~0.58 materially reduces balance-sheet risk and increases financial flexibility. Lower leverage strengthens capital ratios, supports incremental lending and regulatory resilience, and reduces interest-burden sensitivity, improving the bank’s ability to withstand cyclical stress.
Strong Cash GenerationFree cash flow converting ~97% of earnings indicates high cash quality and strong internal funding for dividends, buybacks, and loan growth without heavy external financing. Consistent conversion preserves balance-sheet flexibility and supports sustained capital returns and reinvestment.
Bears Say
Worsening Asset QualityRising nonperforming assets and loans, alongside reserve coverage down to ~60.7%, signal deterioration in credit quality that can force higher provisions, compress net income, and strain capital if losses widen. Persistent trends could impair lending growth and require capital remediation.
Earnings And Cash-flow VariabilityHistorical volatility in profitability and free-cash-flow (including declines in 2022–2023) implies sensitivity to economic cycles, interest-rate shifts, and credit conditions. Such variability complicates long-term planning, increases reserve and capital uncertainty, and raises execution risk during downturns.
Rising Executive CompensationBoard actions granting supplemental retirement benefits and sizable executive bonuses raise fixed compensation obligations and may weaken pay-for-performance alignment. Over time higher executive costs and perceived governance concerns can pressure margins and distract from capital allocation priorities.
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 $74.70 in the past 12 months.
What is Citizens Financial Services Inc’s market cap?
Citizens Financial Services Inc’s market cap is $343.31M.
When is Citizens Financial Services Inc’s upcoming earnings report date?
Citizens Financial Services Inc’s upcoming earnings report date is Jul 30, 2026 which is in 19 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 $0.51 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 4,804,936 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 $2.16 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
1
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3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
CZFS Sentiment 100%
Sector Average 67%
Sector Average 67%
Insider Transactions
Bought Shares
Worth $6.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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. 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
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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
5.62% Insiders
8.13% Mutual Funds
4.61% Other Institutional Investors
70.72% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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