Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
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Citizens Financial Services
(NASDAQ:CZFS)
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Rating:71Outperform
Price Target:
$66.00
â–²(9.42% Upside)
Action:ReiteratedDate:03/12/26
The score is led by improving financial performance and solid cash generation, plus a clearly attractive valuation (low P/E and a ~3.3% dividend yield). These positives are tempered by weaker near-term technical momentum and some credit-quality pressure highlighted in recent company updates, though the new buyback adds support to shareholder returns.
Positive Factors
Strong cash generation and FCF conversion
Consistent and improving operating cash flow with free cash flow tracking net income supports durable internal funding for lending, reserves, and capital returns. Reliable cash conversion enhances earnings quality and gives management flexibility through credit cycles, bolstering long-term resilience.
Negative Factors
Rising nonperforming assets and moderating reserves
Increases in nonperforming assets alongside lower reserve coverage point to heightened credit risk that can drive elevated loan-loss provisions. This dynamic can compress net income and require capital retention, weakening sustainable earnings power across the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation and FCF conversion
Consistent and improving operating cash flow with free cash flow tracking net income supports durable internal funding for lending, reserves, and capital returns. Reliable cash conversion enhances earnings quality and gives management flexibility through credit cycles, bolstering long-term resilience.
Read all positive factors
Citizens Financial Services (CZFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$289.92M
Dividend Yield3.38%
Average Volume (3M)9.06K
Price to Earnings (P/E)7.5
Beta (1Y)0.99
Revenue Growth2.16%
EPS Growth24.43%
CountryUS
Employees379
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.19
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 Cap1.95
Enterprise Value/Revenue3.26
Enterprise Value/Gross Profit5.14
Enterprise Value/Ebitda12.53
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)7.7
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
78
Positive
Balance Sheet
62
Positive
Cash Flow
74
Positive
| 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 | 35.24M | 31.87M | 23.92M | 31.61M | 37.59M |
| Operating Cash Flow | 36.53M | 33.18M | 26.54M | 33.24M | 38.69M |
| Investing Cash Flow | -40.08M | -69.07M | 59.47M | -362.45M | -158.23M |
| Financing Cash Flow | -4.37M | 25.27M | -59.40M | 182.59M | 223.66M |
Citizens Financial Services Technical Analysis
Positive
60.32
Price Trends
61.96
Negative
59.49
Positive
58.40
Positive
Market Momentum
-0.38
Negative
49.42
Neutral
45.52
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 above the 20-day moving average (MA) of 60.09, below the 50-day MA of 61.96, and above the 200-day MA of 58.40, indicating a neutral trend. The MACD of -0.38 indicates Negative momentum. The RSI at 49.42 is Neutral, neither overbought nor oversold. The STOCH value of 45.52 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $289.92M | 7.48 | 11.36% | 3.38% | 2.16% | 24.43% | |
71 Outperform | $324.41M | 6.95 | 13.07% | 4.11% | -0.72% | -7.24% | |
70 Outperform | $313.53M | 8.21 | 9.62% | 3.57% | 10.93% | 42.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $335.69M | 9.72 | 13.35% | 2.63% | 11.98% | -10.12% | |
66 Neutral | $284.98M | 13.36 | 7.97% | 1.48% | 2.59% | 18.83% | |
62 Neutral | $332.68M | 11.18 | 7.67% | 3.59% | -0.09% | 83.67% |
* Financial Sector Average
CZFS
Citizens Financial Services
60.31
4.68
8.40%
NECB
Northeast Community Bancorp
23.45
1.05
4.70%
PLBC
Plumas Bancorp
48.10
6.02
14.30%
WSBF
Waterstone Financial
18.12
5.22
40.49%
PCB
PCB Bancorp
22.04
4.04
22.44%
JMSB
John Marshall Bancorp
20.05
3.86
23.87%
Citizens Financial Services Corporate Events
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...
Business Operations and StrategyFinancial Disclosures
Citizens Financial Services Reports Solid Q4 2025 Performance
Positive
Jan 29, 2026
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,...
Executive/Board Changes
Citizens Financial Services Appoints Joseph Bower to Boards
Positive
Jan 15, 2026
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 Committe...
Shareholder Meetings
Citizens Financial Services Announces Annual Shareholder Meeting
Neutral
Dec 17, 2025
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 t...
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.