Citizens Financial Services (CZFS) AI Stock Analysis

• Market Cap: $324.91M
• Dividend Yield: 3.38%
• Average Volume (3M): 9.06K
• Price to Earnings (P/E): 8.7
• Beta (1Y): 0.99
• Revenue Growth: 2.16%
• EPS Growth: 24.43%
• Country: US
• Employees: 379
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.19
• Shares Outstanding: 4,806,377
• 10 Day Avg. Volume: 11,954
• 30 Day Avg. Volume: 9,062
• PEG Ratio: 0.24
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 1.58
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.83
• Enterprise Value/Revenue: 3.44
• Enterprise Value/Gross Profit: 5.42
• Enterprise Value/Ebitda: 13.22
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $68.00 ▲(12.73% Upside)

The score is driven primarily by solid underlying profitability and balance-sheet stability, supported by attractive valuation (low P/E and a solid dividend yield). Technicals are mildly positive with prices above major moving averages, while the main offset is recent weakening in revenue and cash-flow growth and some credit-quality pressure noted in recent corporate updates.

Positive Factors

Strong Profitability

High profit margins indicate efficient cost management and robust profitability, supporting long-term financial stability and shareholder returns.

Stable Balance Sheet

Reduced leverage enhances financial stability and flexibility, allowing the company to invest in growth opportunities and weather economic downturns.

Asset and Loan Growth

Asset and loan growth reflects strong demand for services and effective market positioning, contributing to long-term revenue potential.

Negative Factors

Declining Revenue Growth

Decreasing revenue growth can hinder the company's ability to expand and compete, potentially impacting future profitability and market share.

Negative Cash Flow Growth

Negative cash flow growth suggests challenges in sustaining operations and funding new initiatives, which could affect long-term financial health.

Revenue Decline Risk

Ongoing revenue decline poses a risk to maintaining financial health and shareholder value, necessitating strategic adjustments to reverse the trend.

Citizens Financial Services Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Citizens Financial Services generates revenue primarily through interest income from loans and investments, as well as non-interest income from various fees and services. Key revenue streams include interest earned on commercial and retail loans, mortgage origination fees, and service charges on deposit accounts. The company also benefits from wealth management services, which contribute to its non-interest income. Additionally, CZFS engages in partnerships with local businesses and community organizations to enhance its service offerings and foster customer loyalty, which in turn drives customer acquisition and retention, bolstering overall financial performance.

Citizens Financial Services Financial Statement Overview

Summary

Strong profitability and efficiency (net margin 21.14%, EBIT margin 25.87%) and a stable balance sheet with manageable leverage (D/E 0.85, ROE 10.91%). Offsetting this, recent fundamentals show weakening growth with revenue down (TTM revenue growth -5.45%) and free cash flow growth negative (TTM FCF growth -5.21%), plus weaker cash conversion signals.

Income Statement

Citizens Financial Services shows a mixed performance in its income statement. The TTM data indicates a decline in revenue growth rate by 5.45%, which is concerning. However, the company maintains a strong net profit margin of 21.14% and an EBIT margin of 25.87%, indicating efficient cost management and profitability. Historical data shows fluctuating revenue growth, with a notable peak in 2023. Overall, while profitability remains strong, the recent revenue decline poses a risk.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.85 in the TTM period, showing a decrease from previous years, which is a positive sign of reduced leverage. The return on equity (ROE) is at 10.91%, indicating decent returns for shareholders. The equity ratio remains stable, suggesting a balanced asset structure. Overall, the company shows good financial stability with manageable debt levels.

Cash Flow

Cash flow analysis reveals challenges in growth, with a TTM free cash flow growth rate of -5.21%. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is strong at 98.47%, suggesting efficient cash generation relative to net income. While cash flow generation is solid, the negative growth trend is a concern.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	173.24M	168.62M	138.72M	93.09M	85.52M
Gross Profit	109.70M	98.17M	86.34M	80.19M	76.87M
EBITDA	45.09M	35.49M	23.04M	36.53M	36.43M
Net Income	36.57M	27.82M	17.81M	29.06M	29.12M
Balance Sheet
Total Assets	3.06B	3.03B	2.98B	2.33B	2.14B
Cash, Cash Equivalents and Short-Term Investments	479.03M	93.14M	470.42M	471.77M	596.26M
Total Debt	309.45M	297.72M	302.04M	257.28M	77.24M
Total Liabilities	2.73B	2.73B	2.70B	2.13B	1.93B
Stockholders Equity	338.05M	299.73M	279.67M	200.15M	212.49M
Cash Flow
Free Cash Flow	0.00	31.87M	23.92M	31.61M	37.59M
Operating Cash Flow	0.00	33.18M	26.54M	33.24M	38.69M
Investing Cash Flow	0.00	-69.07M	59.47M	-362.45M	-158.23M
Financing Cash Flow	0.00	25.27M	-59.40M	182.59M	223.66M

Citizens Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 60.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 60.32 is below the 20-day moving average (MA) of 63.04, above the 50-day MA of 60.04, and above the 200-day MA of 58.03, indicating a bullish trend. The MACD of 1.73 indicates Negative momentum. The RSI at 66.30 is Neutral, neither overbought nor oversold. The STOCH value of 80.93 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZFS.

Citizens Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLBC	73 Outperform	$365.93M	11.52	12.34%	2.63%	11.98%	-10.12%
PCB	72 Outperform	$336.27M	9.01	9.38%	3.57%	10.93%	42.68%
CZFS	71 Outperform	$324.91M	8.75	10.88%	3.38%	2.16%	24.43%
NECB	71 Outperform	$348.16M	7.57	13.26%	4.11%	-0.72%	-7.24%
JMSB	68 Neutral	$298.16M	14.09	7.97%	1.48%	2.59%	18.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBF	63 Neutral	$343.48M	12.56	6.95%	3.59%	-0.09%	83.67%

Citizens Financial Services Corporate Events

Citizens Financial Services Reports Solid Q4 2025 Performance

In an investor presentation covering fourth-quarter 2025 results, Citizens Financial Services highlighted solid profitability and balance sheet growth, reporting Q4 diluted EPS of $2.18 and full-year 2025 EPS of $7.62, net income of $36.6 million, and strong core returns on average assets and tangible common equity. As of December 31, 2025, assets rose to roughly $3.1 billion, loans to $2.3 billion and deposits to $2.4 billion, with net interest margin improving to 3.69% and the efficiency ratio edging better, though credit quality metrics showed some pressure with nonperforming assets and loans increasing and reserve coverage moderating. Management emphasized a long history of shareholder value creation, disciplined acquisition strategy, geographic diversification and consistently high profitability, supported by an experienced leadership team and a robust liquidity profile that includes substantial unused borrowing and brokered deposit capacity, positioning the bank as a resilient, high-performing community lender for investors despite rising operational and credit risks highlighted in its risk-factor disclosures.

The most recent analyst rating on (CZFS) stock is a Hold with a $67.00 price target. To see the full list of analyst forecasts on Citizens Financial Services stock, see the CZFS Stock Forecast page.

Citizens Financial Services Appoints Joseph Bower to Boards

On January 12, 2026, Citizens Financial Services, Inc., parent of First Citizens Community Bank, appointed Joseph B. Bower, Jr. to the boards of both the company and the bank, naming him to serve on the Board’s Audit and Examination Committee and compensating him in line with existing non-employee director policies. The company stated that Bower’s selection did not result from any special arrangements with other parties and that there are no current or proposed transactions between him and the company requiring related-party disclosure, signaling an emphasis on governance continuity and regulatory transparency for stakeholders.

The most recent analyst rating on (CZFS) stock is a Buy with a $70.00 price target. To see the full list of analyst forecasts on Citizens Financial Services stock, see the CZFS Stock Forecast page.

Citizens Financial Services Announces Annual Shareholder Meeting

Citizens Financial Services, Inc. has announced that its 2026 Annual Meeting of shareholders will be held on Tuesday, April 21, 2026. This meeting is a significant event for the company, providing an opportunity for key decisions and discussions that may impact the company’s strategic direction and engagement with stakeholders.

The most recent analyst rating on (CZFS) stock is a Buy with a $66.00 price target. To see the full list of analyst forecasts on Citizens Financial Services stock, see the CZFS Stock Forecast page.

Citizens Financial Services Reports Strong Q3 2025 Results

Citizens Financial Services, Inc. recently presented its financial performance for the third quarter of 2025, highlighting a growth in total assets to $3.1 billion and an increase in total loans and deposits. The company reported a net income of $10 million for the quarter, with improvements in key financial metrics such as net interest margin and efficiency ratio. These results underscore the company’s robust financial health and its strategic focus on enhancing shareholder value, despite facing potential risks and uncertainties in the market.

The most recent analyst rating on (CZFS) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Citizens Financial Services stock, see the CZFS Stock Forecast page.