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Citizens Financial Services, Inc. (CZFS)

80.71 -0.27 (-0.33%)
As of 12:00:01 PM EDT. Market Open.
Trade CZFS on Coinbase
Chart Range Bar
Loading chart for CZFS
  • Previous Close 80.98
  • Open 80.98
  • Bid 80.20 x 100
  • Ask 81.10 x 100
  • Day's Range 80.29 - 80.98
  • 52 Week Range 52.35 - 84.35
  • Volume 7,688
  • Avg. Volume 24,292
  • Market Cap (intraday) 388.203M
  • Beta (5Y Monthly) 0.38
  • PE Ratio (TTM) 9.41
  • EPS (TTM) 8.58
  • Earnings Date (est.) Oct 29, 2026
  • Forward Dividend & Yield 2.04 (2.52%)
  • Ex-Dividend Date Jun 12, 2026
  • 1y Target Est 89.00

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including 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 provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

www.firstcitizensbank.com

388

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Performance Overview

Trailing total returns as of 8/31/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

CZFS
43.82%
S&P 500 (^GSPC)
12.12%

1-Year Return

CZFS
38.96%
S&P 500 (^GSPC)
18.80%

3-Year Return

CZFS
65.42%
S&P 500 (^GSPC)
70.27%

5-Year Return

CZFS
55.96%
S&P 500 (^GSPC)
69.70%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue 29.71M
Earnings 10.19M
Profit Margin 34.29%

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
10M
20M
34.4%
34.6%
34.8%
35.0%
35.2%
35.4%

Analyst Insights

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Analyst Price Targets

89.00
89.00 Average
80.71 Current
89.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 4/30/2024
Analyst Janney Montgomery Scott
Rating Action Upgrade
Rating Buy
Price Action --
Price Target --

Statistics

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Valuation Measures

Annual
As of 8/27/2026
  • Market Cap

    390.32M

  • Enterprise Value

    --

  • Trailing P/E

    9.49

  • Forward P/E

    --

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    3.30

  • Price/Book (mrq)

    1.11

  • Enterprise Value/Revenue

    6.64

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    35.77%

  • Return on Assets (ttm)

    1.33%

  • Return on Equity (ttm)

    12.32%

  • Revenue (ttm)

    114.76M

  • Net Income Avi to Common (ttm)

    41.05M

  • Diluted EPS (ttm)

    8.58

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    49.51M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Compare

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Company Insights

Fair Value

80.71 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

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