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Citizens Financial Services, Inc. (CZFS)

84.87 -1.17 (-1.36%)
At close: November 6 at 4:00:01 PM EST
Trade CZFS on Coinbase
Chart Range Bar
Loading chart for CZFS
  • Previous Close 86.04
  • Open 85.90
  • Bid 85.03 x 400
  • Ask 86.30 x 100
  • Day's Range 84.87 - 86.78
  • 52 Week Range 53.14 - 88.88
  • Volume 22,725
  • Avg. Volume 36,225
  • Market Cap (intraday) 408.283M
  • Beta (5Y Monthly) 0.40
  • PE Ratio (TTM) 9.48
  • EPS (TTM) 8.95
  • Earnings Date (est.) Jan 28, 2027
  • Forward Dividend & Yield 2.04 (2.40%)
  • 1y Target Est 94.00
  • Moby Rating Bull

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

391

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Recent News

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Performance Overview

Trailing total returns as of 11/6/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

CZFS
52.17%
S&P 500 (^GSPC)
7.76%

1-Year Return

CZFS
58.28%
S&P 500 (^GSPC)
9.77%

3-Year Return

CZFS
75.80%
S&P 500 (^GSPC)
68.96%

5-Year Return

CZFS
66.44%
S&P 500 (^GSPC)
57.04%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue --
Earnings 11.92M
Profit Margin 0.00%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
2M
4M
6M
8M
10M
0.0%

Analyst Insights

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Analyst Price Targets

94.00
94.00 Average
84.87 Current
94.00 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
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    36.09%

  • Return on Assets (ttm)

    1.33%

  • Return on Equity (ttm)

    12.66%

  • Revenue (ttm)

    119.05M

  • Net Income Avi to Common (ttm)

    42.97M

  • Diluted EPS (ttm)

    8.95

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    38.69M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Company Insights

Research Reports

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