Logo image of CZFS

CITIZENS FINANCIAL SERVICES (CZFS) Stock Price, Forecast & Analysis

USA - Nasdaq - NASDAQ:CZFS - US1746151042 - Common Stock

64.7 USD
-0.84 (-1.28%)
Last: 1/26/2026, 8:00:02 PM

CZFS Key Statistics, Chart & Performance

Key Statistics
Market Cap311.21M
Revenue(TTM)108.95M
Net Income(TTM)34.07M
Shares4.81M
Float4.51M
52 Week High69.3
52 Week Low49.96
Yearly Dividend1.94
Dividend Yield3%
EPS(TTM)7.1
PE9.11
Fwd PE8.24
Earnings (Next)01-30
IPO1993-10-27
Sector
GICS SectorFinancials
GICS IndustryBanks
GICS IndustryGroupBanks
GICS SubIndustryRegional Banks
CZFS short term performance overview.The bars show the price performance of CZFS in the last week, last 2 weeks, last month, last 3 and 6 months. 1 week 2 week 1 month 3 months 6 months 5 10 15 20

CZFS long term performance overview.The bars show the price performance of CZFS in the last 1, 2 and 3 years. 1 year 2 years 3 years 0 5 -5 10 -10 -15

The current stock price of CZFS is 64.7 USD. In the past month the price increased by 10.3%. In the past year, price increased by 6.71%.

CITIZENS FINANCIAL SERVICES / CZFS Daily stock chart

CZFS Technical Analysis

ChartMill assigns a technical rating of 8 / 10 to CZFS. When comparing the yearly performance of all stocks, CZFS is one of the better performing stocks in the market, outperforming 73.29% of all stocks.


Chartmill TA Rating
Chartmill Setup Rating

CZFS Fundamental Analysis

ChartMill assigns a fundamental rating of 4 / 10 to CZFS. CZFS has a medium profitability rating, but doesn't score so well on its financial health evaluation.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend

CZFS Financial Highlights

Over the last trailing twelve months CZFS reported a non-GAAP Earnings per Share(EPS) of 7.1. The EPS increased by 23.58% compared to the year before.


Industry RankSector Rank
PM (TTM) 31.27%
ROA 1.11%
ROE 10.4%
Debt/Equity 0.85
Chartmill High Growth Momentum
EPS Q2Q%32.76%
Sales Q2Q%17.9%
EPS 1Y (TTM)23.58%
Revenue 1Y (TTM)7.88%

CZFS Forecast & Estimates

7 analysts have analysed CZFS and the average price target is 65.64 USD. This implies a price increase of 1.46% is expected in the next year compared to the current price of 64.7.

For the next year, analysts expect an EPS growth of 31.03% and a revenue growth 11.97% for CZFS


Analysts
Analysts85.71
Price Target65.64 (1.45%)
EPS Next Y31.03%
Revenue Next Year11.97%

CZFS Ownership

Ownership
Inst Owners28.25%
Ins Owners5.2%
Short Float %0.72%
Short Ratio3.54

About CZFS

Company Profile

CZFS logo image Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company is headquartered in Mansfield Pennsylvania, Pennsylvania and currently employs 410 full-time employees. The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The company is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.

Company Info

CITIZENS FINANCIAL SERVICES

15 S Main St

Mansfield Pennsylvania PENNSYLVANIA US

Employees: 410

CZFS Company Website

CZFS Investor Relations

Phone: 15706620444

CITIZENS FINANCIAL SERVICES / CZFS FAQ

What does CITIZENS FINANCIAL SERVICES do?

Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company is headquartered in Mansfield Pennsylvania, Pennsylvania and currently employs 410 full-time employees. The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The company is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.


What is the current price of CZFS stock?

The current stock price of CZFS is 64.7 USD. The price decreased by -1.28% in the last trading session.


Does CZFS stock pay dividends?

CITIZENS FINANCIAL SERVICES (CZFS) has a dividend yield of 3%. The yearly dividend amount is currently 1.94.


What is the ChartMill technical and fundamental rating of CZFS stock?

CZFS has a ChartMill Technical rating of 8 out of 10 and a ChartMill Fundamental rating of 4 out of 10.


Where is CITIZENS FINANCIAL SERVICES (CZFS) stock traded?

CZFS stock is listed on the Nasdaq exchange.


Can you provide the number of employees for CITIZENS FINANCIAL SERVICES?

CITIZENS FINANCIAL SERVICES (CZFS) currently has 410 employees.


What is the market capitalization of CZFS stock?

CITIZENS FINANCIAL SERVICES (CZFS) has a market capitalization of 311.21M USD. This makes CZFS a Small Cap stock.