Citizens Financial Services Inc (CZFS)

Currency in USD
53.45
-0.80(-1.47%)
Closed·
After Hours
53.450.00(0.00%)
·
CZFS Scorecard
Full Analysis
Has raised its dividend for 3 consecutive years
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Fair Value
Day's Range
52.5153.45
52 wk Range
42.9674.65
Key Statistics
Prev. Close
54.25
Open
53
Day's Range
52.51-53.45
52 wk Range
42.96-74.65
Volume
15.77K
Average Volume (3m)
9.32K
1-Year Change
19.84%
Book Value / Share
65.25
Fair Value
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Fair Value Upside
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CZFS Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
65.00
Upside
+21.61%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low P/E ratio relative to near-term earnings growth
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Buy
Technical Indicators
Strong Buy
Moving Averages
Neutral

Citizens Financial Services Inc Company Profile

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. Its loan products include 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 incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

Sector
Financial
Employees
397

Compare CZFS to Peers and Sector

Metrics to compare
CZFS
Peers
Sector
Relationship
P/E Ratio
8.1x10.7x9.5x
PEG Ratio
0.530.150.03
Price/Book
0.8x1.3x1.0x
Price / LTM Sales
2.5x3.0x2.8x
Upside (Analyst Target)
21.6%24.0%13.1%
Fair Value Upside
Unlock−9.1%2.3%Unlock

Analyst Ratings

1 Buy
0 Hold
0 Sell
Ratings:
1 analysts
Overall Consensus
Strong Buy

Analysts 12-Month Price Target:

Average 65.00
(+21.61% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 6.59%
Dividend Yield
3.70%
Industry Median 3.45%
Annualised payout
1.98
Paid quarterly
5-Years Growth
+2.83%
Growth Streak

Earnings

Latest Release
Jul 30, 2025
EPS / Forecast
1.76 / 1.60
Revenue / Forecast
27.28M / --
EPS Revisions
Last 90 days

CZFS Income Statement

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FAQ

What Stock Exchange Does Citizens Financial Services Trade On?

Citizens Financial Services is listed and trades on the Nasdaq Stock Exchange stock exchange.

What Is the Stock Symbol for Citizens Financial Services?

The stock symbol for Citizens Financial Services is "CZFS."

What Is the Citizens Financial Services Market Cap?

As of today, Citizens Financial Services market cap is 256.95M.

What Is Citizens Financial Services's Earnings Per Share (TTM)?

The Citizens Financial Services EPS (TTM) is 6.59.

When Is the Next Citizens Financial Services Earnings Date?

Citizens Financial Services will release its next earnings report on 26 Oct 2025.

From a Technical Analysis Perspective, Is CZFS a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Citizens Financial Services Stock Split?

Citizens Financial Services has split 32 times.

How Many Employees Does Citizens Financial Services Have?

Citizens Financial Services has 397 employees.

What is the current trading status of Citizens Financial Services (CZFS)?

As of 10 Aug 2025, Citizens Financial Services (CZFS) is trading at a price of 53.45, with a previous close of 54.25. The stock has fluctuated within a day range of 52.51 to 53.45, while its 52-week range spans from 42.96 to 74.65.
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