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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
US Market

Citizens Financial Services (CZFS) AI Stock Analysis

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CZ

Citizens Financial Services

(NASDAQ:CZFS)

75Outperform
Citizens Financial Services exhibits strong financial health with robust revenue growth and cash flow, supported by a solid balance sheet. The stock is attractively valued, offering a good dividend yield. However, technical analysis suggests caution due to bearish indicators. Overall, the stock is well-positioned in the regional banking sector, with its financial stability and strategic initiatives contributing positively to its rating.

Citizens Financial Services (CZFS) vs. S&P 500 (SPY)

Citizens Financial Services Business Overview & Revenue Model

Company DescriptionCitizens 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.
How the Company Makes MoneyCitizens Financial Services generates revenue primarily through its subsidiary, First Citizens Community Bank, by offering a variety of financial products and services. Key revenue streams include interest income from loans and mortgages, fee-based income from account services, and income from investment and wealth management services. The company also earns money from service charges on deposit accounts, transaction fees, and other banking-related services. Additionally, Citizens Financial Services leverages partnerships with financial technology providers to enhance its service offerings and expand its customer base, contributing further to its revenue growth.

Citizens Financial Services Financial Statement Overview

Summary
Citizens Financial Services presents a strong financial profile with solid revenue growth, improved profitability margins, and robust cash flow generation. The balance sheet shows a healthy financial position with no debt and increasing equity. The company's effective cash conversion and management underpin its financial strength, making it well-positioned in the banking sector.
Income Statement
85
Very Positive
Citizens Financial Services has demonstrated strong revenue growth, with total revenue increasing significantly from $58.3 million in 2019 to $154.3 million in 2024. The gross profit margin remains healthy at 100% due to the nature of banking operations. Net profit margin improved over the years, peaking at 18.0% in 2024. The EBIT margin also increased consistently, reaching 98.3% by 2024. These metrics indicate robust profitability and operational efficiency in the banking sector, supported by strong revenue and profit growth.
Balance Sheet
78
Positive
The company's financial position is stable, with a strong equity base, as seen in the increasing stockholders' equity from $154.8 million in 2019 to $299.7 million in 2024. The debt-to-equity ratio improved significantly, reaching 0.0 in 2024, indicating no debt, which reduces financial risk. Return on equity, calculated at 9.3% in 2024, reflects a modest return on shareholder investment. The equity ratio improved to 9.9% in 2024, indicating a solid equity buffer. Overall, the balance sheet showcases a solid position with low leverage and healthy equity growth.
Cash Flow
82
Very Positive
The cash flow statement reveals effective cash management, with operating cash flow showing an increasing trend, reaching $33.2 million in 2024. Free cash flow also improved significantly, indicating strong cash generation capabilities. The free cash flow to net income ratio is robust, reflecting effective conversion of profits to cash. The operating cash flow to net income ratio of 1.19 in 2024 suggests efficient cash conversion. These metrics highlight the company's strong cash flow generation and management, which supports operational and financial stability.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
154.32M86.34M81.87M78.42M73.61M
Gross Profit
154.32M86.34M81.87M78.42M73.61M
EBIT
151.72M42.66M47.59M35.32M30.37M
EBITDA
0.0023.04M36.53M36.43M31.50M
Net Income Common Stockholders
27.82M17.81M29.06M29.12M25.10M
Balance SheetCash, Cash Equivalents and Short-Term Investments
468.11M470.42M471.77M596.26M377.65M
Total Assets
3.03B2.98B2.33B2.14B1.89B
Total Debt
280.38M322.04M257.28M73.98M88.84M
Net Debt
234.36M265.15M225.01M-109.88M6.37M
Total Liabilities
2.73B2.70B2.13B1.93B1.70B
Stockholders Equity
299.73M279.67M200.15M212.49M194.26M
Cash FlowFree Cash Flow
33.18M23.92M31.61M37.59M10.88M
Operating Cash Flow
33.18M26.54M33.24M38.69M11.82M
Investing Cash Flow
-69.07M59.47M-362.45M-158.23M-110.73M
Financing Cash Flow
25.27M-59.40M182.59M223.66M149.10M

Citizens Financial Services Technical Analysis

Technical Analysis Sentiment
Positive
Last Price57.33
Price Trends
50DMA
56.94
Positive
100DMA
59.51
Negative
200DMA
58.24
Negative
Market Momentum
MACD
-0.02
Negative
RSI
52.95
Neutral
STOCH
82.66
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZFS, the sentiment is Positive. The current price of 57.33 is above the 20-day moving average (MA) of 55.92, above the 50-day MA of 56.94, and below the 200-day MA of 58.24, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 52.95 is Neutral, neither overbought nor oversold. The STOCH value of 82.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZFS.

Citizens Financial Services Risk Analysis

Citizens Financial Services disclosed 1 risk factors in its most recent earnings report. Citizens Financial Services reported the most risks in the “Legal & Regulatory” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Citizens Financial Services Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$274.52M9.7611.19%5.87%13.25%1.46%
75
Outperform
$274.86M9.539.62%3.40%9.53%63.45%
PCPCB
75
Outperform
$283.14M10.148.00%3.76%14.10%11.76%
69
Neutral
$291.87M15.855.60%8.57%37.95%
66
Neutral
$322.36M22.702.88%20.07%147.42%
64
Neutral
$12.54B9.797.92%16985.69%12.58%-6.07%
44
Neutral
$304.59M-4.98%-16.75%86.60%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CZFS
Citizens Financial Services
56.05
10.79
23.84%
FNLC
First Bancorp
24.47
1.97
8.76%
SFST
Southern First Bancshares
36.55
8.95
32.43%
PDLB
Ponce Financial Group Inc
13.59
4.97
57.66%
PCB
PCB Bancorp
20.17
5.08
33.66%
BRBS
Blue Ridge Bankshares
3.56
0.89
33.33%

Citizens Financial Services Corporate Events

Business Operations and StrategyFinancial Disclosures
Citizens Financial Services Announces Investor Presentation Plans
Positive
Apr 30, 2025

Citizens Financial Services, Inc. has announced its intention to use an investor presentation in upcoming meetings with investors. The company has consistently been ranked among the top community banks and has received numerous accolades for its performance and customer satisfaction. The announcement highlights the company’s strategic initiatives and financial stability, which are crucial for stakeholders and investors in assessing future growth and market positioning.

Spark’s Take on CZFS Stock

According to Spark, TipRanks’ AI Analyst, CZFS is a Outperform.

Citizens Financial Services scores well due to its strong financial performance, characterized by robust revenue growth, profitability, and cash flow generation. The technical analysis suggests a cautious approach due to bearish indicators, but the valuation presents the stock as attractively priced with a good dividend yield. Recent corporate events reflect positively on the company’s strategic communication and resilience, although they do not directly impact the overall score.

To see Spark’s full report on CZFS stock, click here.

Shareholder MeetingsBusiness Operations and StrategyFinancial Disclosures
Citizens Financial Services Hosts Annual Shareholders Meeting
Neutral
Apr 15, 2025

Citizens Financial Services, Inc. presented at the 2025 Annual Meeting of Shareholders on April 15, 2025. In 2024, the company focused on operational initiatives such as forming a Digital Steering Committee, replacing its ATM fleet, and opening a new loan production office. Financially, the company finished in the 74th percentile for efficiency ratio and showed varying performance in return on equity and assets compared to its peers. The company also engaged in community contributions and faced challenges like a turbulent economy and regulatory changes, impacting customers with increased food costs and availability issues.

Spark’s Take on CZFS Stock

According to Spark, TipRanks’ AI Analyst, CZFS is a Outperform.

Citizens Financial Services has a strong financial foundation with excellent revenue growth and cash flow management. The technical analysis suggests a stable stock price with potential for growth, while valuation metrics indicate the stock is fairly valued with a good dividend yield. Recent corporate communication efforts further bolster investor confidence, enhancing the overall outlook.

To see Spark’s full report on CZFS stock, click here.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.