Citizens Financial Services (CZFS) AI Stock Analysis

• Market Cap: $288.25M
• Dividend Yield: 3.28%
• Average Volume (3M): 8.53K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 1.19
• Revenue Growth: 2.41%
• EPS Growth: 15.34%
• Country: US
• Employees: 379
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 1.76
• Shares Outstanding: 4,807,314
• 10 Day Avg. Volume: 7,740
• 30 Day Avg. Volume: 8,526
• PEG Ratio: 0.23
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 1.77
• P/FCF Ratio: 9.34
• Enterprise Value/Market Cap: 1.89
• Enterprise Value/Revenue: 3.22
• Enterprise Value/Gross Profit: 5.46
• Enterprise Value/Ebitda: 15.02
• 1Y Price Target: $63.00
• Price Target Upside: 5.07% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: $63.00 ▲(5.07% Upside)

Citizens Financial Services maintains a solid financial position with strong profitability and effective cash flow management. Despite some bearish technical indicators, the stock's low P/E ratio and attractive dividend yield suggest potential undervaluation. The positive corporate event further supports the company's strong market position.

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 through several key streams. Primarily, it earns income from interest on loans provided to consumers and businesses, which constitutes a significant portion of its revenue. Additionally, the company generates non-interest income through fees charged for various banking services, including account maintenance, transaction fees, and service charges. The bank also engages in mortgage origination and servicing, which contributes to its earnings. Furthermore, Citizens Financial Services may form strategic partnerships with other financial institutions or technology firms to enhance service offerings and streamline operations, thus potentially increasing its revenue through expanded customer reach and improved operational efficiency.

Citizens Financial Services Financial Statement Overview

Summary

Citizens Financial Services demonstrates strong profitability with stable margins and consistent revenue growth. The balance sheet reflects a solid equity position with moderate leverage typical for the industry, and cash flows are healthy, indicating effective cash generation.

Income Statement

Citizens Financial Services demonstrates strong profitability with stable gross and net profit margins. The TTM (Trailing-Twelve-Months) shows a slight increase in total revenue, contributing to a healthy EBIT and EBITDA margin. Revenue growth appears consistent over the past period, indicating a robust income structure.

Balance Sheet

The balance sheet reveals a strong equity position with a favorable equity ratio. However, the debt-to-equity ratio indicates moderate leverage, which is typical for the banking industry. Return on Equity is solid, reflecting efficient utilization of equity to generate profits.

Cash Flow

The cash flow statement reflects healthy operating cash flows, with a positive free cash flow trajectory. The operating cash flow to net income ratio is strong, suggesting effective cash generation relative to net income, though there's a slight decrease in free cash flow growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	169.25M	168.62M	138.72M	93.09M	85.52M	81.27M
Gross Profit	99.93M	98.17M	86.34M	80.19M	76.87M	71.21M
EBITDA	36.31M	35.49M	23.04M	36.53M	36.43M	31.50M
Net Income	28.41M	27.82M	17.81M	29.06M	29.12M	25.10M
Balance Sheet
Total Assets	3.02B	3.03B	2.98B	2.33B	2.14B	1.89B
Cash, Cash Equivalents and Short-Term Investments	85.41M	93.14M	470.42M	471.77M	596.26M	377.65M
Total Debt	302.03M	297.72M	302.04M	257.28M	73.98M	88.84M
Total Liabilities	2.71B	2.73B	2.70B	2.13B	1.93B	1.70B
Stockholders Equity	308.30M	299.73M	279.67M	200.15M	212.49M	194.26M
Cash Flow
Free Cash Flow	28.87M	31.87M	23.92M	31.61M	37.59M	10.88M
Operating Cash Flow	30.67M	33.18M	26.54M	33.24M	38.69M	11.82M
Investing Cash Flow	-92.91M	-69.07M	59.47M	-362.45M	-158.23M	-110.73M
Financing Cash Flow	69.41M	25.27M	-59.40M	182.59M	223.66M	149.10M

Citizens Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.96
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 59.96 is above the 20-day moving average (MA) of 57.45, above the 50-day MA of 58.55, and above the 200-day MA of 59.63, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 55.30 is Neutral, neither overbought nor oversold. The STOCH value of 77.93 is Neutral, 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
PCB	78 Outperform	$317.13M	10.35	8.63%	3.53%	11.93%	29.49%
FNLC	77 Outperform	$304.70M	10.49	11.76%	5.33%	12.08%	9.69%
SFST	73 Outperform	$368.95M	16.73	6.58%	―	4.79%	58.67%
CZFS	72 Outperform	$288.25M	9.11	10.53%	3.28%	2.41%	15.34%
PDLB	70 Outperform	$356.18M	20.81	3.42%	―	17.80%	86.24%
Sector *	68 Neutral	$17.88B	11.68	10.28%	3.72%	9.78%	1.27%
BRBS	51 Neutral	$369.43M	―	-0.06%	―	-20.44%	99.91%

Citizens Financial Services Corporate Events

Citizens Financial Services Reports Q2 2025 Financial Results

Citizens Financial Services, Inc. released a presentation for investors for the second quarter of 2025, highlighting its financial performance and strategic initiatives. The company reported a net income of $8.5 million for the quarter, with a year-to-date net income of $16.1 million. It also achieved a net interest margin of 3.47% and a total asset growth of 1.6%. The company continues to focus on shareholder value and has been recognized for its strong market position and financial stability.

Citizens Financial Services Announces Executive Bonuses

On May 21, 2025, Citizens Financial Services announced the determination of annual bonuses for its executive officers under the Annual Incentive Plan for fiscal year 2024. The bonuses, which were not included in the initial 2025 Proxy Statement, resulted in increased total compensation for the executives, with CEO Randall E. Black receiving $545,991. The company also disclosed the CEO pay ratio, revealing a ratio of 27.7 between the CEO’s total compensation and the median employee’s compensation, as part of its compliance with the Dodd-Frank Act.