Citizens Financial Services (CZFS) AI Stock Analysis

• Market Cap: $275.26M
• Dividend Yield: 3.52%
• Average Volume (3M): 8.38K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 1.08
• Revenue Growth: 2.16%
• EPS Growth: 24.43%
• Country: US
• Employees: 379
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.09
• Shares Outstanding: 4,806,377
• 10 Day Avg. Volume: 7,515
• 30 Day Avg. Volume: 8,379
• 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: 1.95
• Enterprise Value/Revenue: 3.12
• Enterprise Value/Gross Profit: 5.02
• Enterprise Value/Ebitda: 12.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 6.9
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: $59.00 ▲(7.55% Upside)

The overall stock score for Citizens Financial Services is primarily influenced by its strong valuation, with a low P/E ratio and attractive dividend yield. However, financial performance is hindered by declining revenue and cash flow growth, which poses a risk. Technical analysis indicates bearish momentum, further impacting the score.

Citizens Financial Services Business Overview & Revenue Model

Company Description

Citizens Financial Services (CZFS) is a financial services holding company based in the United States that primarily operates through its subsidiary, Citizens Bank. The company focuses on providing a range of banking and financial products, including commercial and retail banking services, mortgage lending, and wealth management solutions. CZFS serves both individual consumers and businesses, positioning itself as a community-focused institution that emphasizes customer service and local engagement.

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

Citizens Financial Services demonstrates strong profitability and a stable balance sheet, with efficient cost management and reduced leverage. However, recent declines in revenue and cash flow growth present challenges. The company needs to address these growth concerns to maintain its financial health and shareholder value.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	172.09M	168.62M	138.72M	93.09M	85.52M	81.72M
Gross Profit	107.07M	98.17M	86.34M	80.19M	76.87M	71.21M
EBITDA	42.12M	35.49M	23.04M	36.53M	36.43M	31.50M
Net Income	34.07M	27.82M	17.81M	29.06M	29.12M	25.10M
Balance Sheet
Total Assets	3.06B	3.03B	2.98B	2.33B	2.14B	1.89B
Cash, Cash Equivalents and Short-Term Investments	482.43M	93.14M	470.42M	471.77M	596.26M	377.65M
Total Debt	279.59M	297.72M	302.04M	257.28M	73.98M	88.84M
Total Liabilities	2.73B	2.73B	2.70B	2.13B	1.93B	1.70B
Stockholders Equity	327.68M	299.73M	279.67M	200.15M	212.49M	194.26M
Cash Flow
Free Cash Flow	29.82M	31.87M	23.92M	31.61M	37.59M	10.88M
Operating Cash Flow	30.29M	33.18M	26.54M	33.24M	38.69M	11.82M
Investing Cash Flow	-33.75M	-69.07M	59.47M	-362.45M	-158.23M	-110.73M
Financing Cash Flow	-2.22M	25.27M	-59.40M	182.59M	223.66M	149.10M

Citizens Financial Services Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 54.86
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 54.86 is below the 20-day moving average (MA) of 55.55, below the 50-day MA of 58.25, and below the 200-day MA of 57.75, indicating a neutral trend. The MACD of -0.16 indicates Negative momentum. The RSI at 48.95 is Neutral, neither overbought nor oversold. The STOCH value of 67.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CZFS.

Citizens Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PCB	80 Outperform	$313.88M	9.17	9.38%	3.65%	10.93%	42.68%
NECB	72 Outperform	$282.65M	6.15	13.63%	3.72%	-0.72%	-7.24%
JMSB	69 Neutral	$269.02M	13.42	7.98%	1.53%	2.59%	18.95%
PLBC	68 Neutral	$289.28M	9.73	12.34%	2.83%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZFS	64 Neutral	$275.26M	8.07	10.88%	3.52%	2.16%	24.43%
WSBF	63 Neutral	$286.82M	11.71	6.95%	3.86%	-0.09%	83.67%

Citizens Financial Services Corporate Events

Citizens Financial Services Reports Strong Q3 2025 Results

Citizens Financial Services, Inc. is a financial holding company that operates primarily through its subsidiary, First Citizens Community Bank, offering a range of banking services primarily in Pennsylvania. The company is publicly traded on Nasdaq under the ticker CZFS.

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.