Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
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Citizens Financial Services
(NASDAQ:CZFS)
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Rating:75Outperform
Price Target:
$72.00
â–²(19.36% Upside)
Action:ReiteratedDate:05/09/26
The score is driven primarily by strong financial performance (improving leverage, solid profitability, and high cash-flow conversion) and very attractive valuation (low P/E with a meaningful dividend). Offsetting these positives are a more neutral technical picture and corporate-event disclosures that flag weakening credit-quality indicators to monitor.
Positive Factors
Revenue & Profitability Improvement
Sustained revenue growth and recent margin expansion provide a stronger recurring earnings base that supports internal capital formation. Over 2–6 months this underpins loan growth, fee expansion and dividend/buyback capacity, reducing reliance on external financing and improving resilience to modest rate or loan mix shifts.
Negative Factors
Weakening Credit Quality
Rising NPAs and NPLs alongside only ~60.7% reserve coverage signal higher near-term provisioning risk. This can materially compress net income and capital, force higher loan-loss provisions, and constrain lending or buybacks if deterioration continues, making earnings more sensitive to local economic stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profitability Improvement
Sustained revenue growth and recent margin expansion provide a stronger recurring earnings base that supports internal capital formation. Over 2–6 months this underpins loan growth, fee expansion and dividend/buyback capacity, reducing reliance on external financing and improving resilience to modest rate or loan mix shifts.
Read all positive factors
Citizens Financial Services (CZFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$306.55M
Dividend Yield3.38%
Average Volume (3M)9.06K
Price to Earnings (P/E)7.1
Beta (1Y)1.04
Revenue Growth3.42%
EPS Growth38.40%
CountryUS
Employees379
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.20
Shares Outstanding4,807,219
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 Cap1.54
Enterprise Value/Revenue2.70
Enterprise Value/Gross Profit4.17
Enterprise Value/Ebitda9.85
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
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 v...
How the Company Makes Money
CZFS primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest collected on earning assets (such as commercial real estate loans, c...
Citizens Financial Services Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
71
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 174.77M | 173.24M | 168.62M | 138.72M | 93.09M | 85.52M |
| Gross Profit | 113.20M | 109.70M | 98.17M | 86.34M | 80.19M | 76.87M |
| EBITDA | 47.97M | 45.09M | 35.49M | 23.04M | 36.53M | 36.43M |
| Net Income | 39.33M | 36.57M | 27.82M | 17.81M | 29.06M | 29.12M |
Balance Sheet | ||||||
| Total Assets | 3.03B | 3.06B | 3.03B | 2.98B | 2.33B | 2.14B |
| Cash, Cash Equivalents and Short-Term Investments | 33.10M | 74.17M | 93.14M | 470.42M | 471.77M | 596.26M |
| Total Debt | 198.74M | 309.45M | 297.72M | 302.04M | 257.28M | 73.98M |
| Total Liabilities | 2.68B | 2.73B | 2.73B | 2.70B | 2.13B | 1.93B |
| Stockholders Equity | 343.58M | 338.05M | 299.73M | 279.67M | 200.15M | 212.49M |
Cash Flow | ||||||
| Free Cash Flow | 42.40M | 35.24M | 31.87M | 23.92M | 31.61M | 37.59M |
| Operating Cash Flow | 43.61M | 36.53M | 33.18M | 26.54M | 33.24M | 38.69M |
| Investing Cash Flow | -9.41M | -40.08M | -69.07M | 59.47M | -362.45M | -158.23M |
| Financing Cash Flow | -37.88M | -4.37M | 25.27M | -59.40M | 182.59M | 223.66M |
Citizens Financial Services Technical Analysis
Positive
60.32
Price Trends
62.35
Positive
60.94
Positive
59.03
Positive
Market Momentum
1.68
Negative
63.03
Neutral
58.95
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 60.32 is below the 20-day moving average (MA) of 63.80, below the 50-day MA of 62.35, and above the 200-day MA of 59.03, indicating a bullish trend. The MACD of 1.68 indicates Negative momentum. The RSI at 63.03 is Neutral, neither overbought nor oversold. The STOCH value of 58.95 is Neutral, 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 21 risk factors in its most recent earnings report. Citizens Financial Services reported the most risks in the "Finance & Corporate" 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $351.17M | 7.46 | 10.43% | 3.57% | 8.84% | 43.48% | |
75 Outperform | $306.55M | 7.07 | 11.89% | 3.38% | 3.42% | 38.40% | |
73 Outperform | $362.55M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
71 Outperform | $337.92M | 7.88 | 12.62% | 4.11% | -4.89% | -7.62% | |
69 Neutral | $301.33M | 11.74 | 8.60% | 1.48% | 3.75% | 27.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $337.95M | 13.06 | 8.48% | 3.59% | 3.42% | 63.88% |
* Financial Sector Average
CZFS
Citizens Financial Services
63.80
10.08
18.77%
NECB
Northeast Community Bancorp
24.46
2.25
10.11%
PLBC
Plumas Bancorp
52.03
9.29
21.74%
WSBF
Waterstone Financial
18.72
6.81
57.23%
PCB
PCB Bancorp
24.67
5.49
28.61%
JMSB
John Marshall Bancorp
21.20
4.43
26.39%
Citizens Financial Services Corporate Events
Business Operations and StrategyFinancial Disclosures
Citizens Financial Highlights Strong Q1 2026 Earnings Performance
Positive
Apr 29, 2026
Citizens Financial Services, Inc., a Mansfield, Pa.-based community bank holding company for First Citizens Community Bank, operates 43 branches and delivers a broad mix of retail, commercial, agricultural and consumer banking, as well as insuranc...
Executive/Board ChangesShareholder Meetings
Citizens Financial Services Shareholders Back Leadership and Governance
Positive
Apr 22, 2026
Citizens Financial Services, Inc. held its 2026 annual meeting of shareholders on April 21, 2026, at First Citizens Community Bank in Wellsboro, Pennsylvania, where shareholders elected five Class 3 directors, including CEO and President Randall E...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Citizens Financial Highlights Record 2025 Earnings at Annual Meeting
Positive
Apr 21, 2026
Citizens Financial Services, Inc. plans to present to shareholders at its 2026 annual meeting on April 21, 2026, highlighting that in 2025 it achieved an all‑time record high in earnings driven by diligent net interest margin management, cus...
Business Operations and StrategyStock Buyback
Citizens Financial Services Launches New Share Repurchase Program
Positive
Feb 18, 2026
On February 17, 2026, Citizens Financial Services, Inc. authorized a stock repurchase program covering up to 200,000 outstanding common shares, with a total purchase cap of $15 million, to run from April 22, 2026 through April 22, 2029. The plan a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.