Logo image of CZFS

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

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

57.2 USD
+2.4 (+4.38%)
Last: 11/21/2025, 8:21:26 PM

CZFS Key Statistics, Chart & Performance

Key Statistics
Market Cap275.13M
Revenue(TTM)108.95M
Net Income(TTM)34.07M
Shares4.81M
Float4.51M
52 Week High74.65
52 Week Low49.96
Yearly Dividend1.94
Dividend Yield3.65%
EPS(TTM)7.1
PE8.06
Fwd PE7.63
Earnings (Next)01-28 2026-01-28/amc
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 0 2 -2 -4

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 -10 -15 -20

The current stock price of CZFS is 57.2 USD. In the past month the price increased by 2.88%. In the past year, price decreased by -20.58%.

CITIZENS FINANCIAL SERVICES / CZFS Daily stock chart

CZFS Latest News, Press Relases and Analysis

25 days ago - By: Zacks Investment Research - Mentions: CFG CCNE
3 months ago - By: Zacks Investment Research - Mentions: EVR TRMK JRVR SITE
3 months ago - By: Zacks Investment Research - Mentions: SRCE NVST
3 months ago - By: Zacks Investment Research - Mentions: EVR TRMK
3 months ago - By: Zacks Investment Research - Mentions: TROW AEM STRL TATT
3 months ago - By: Zacks Investment Research - Mentions: TROW AEM

CZFS Competitors/Peers

The largest stocks on the US markets in the "Regional Banks" sub-industry
Full List
Symbol
Company Name
TA
FA
PE
Market Cap
TFC TRUIST FINANCIAL CORP 12.1 58.18B
HBANL HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP 17.86 40.15B
HBANM HUNTINGTON BANCSHARES - HBAN 5.7 PERP 15.7 35.30B
BBT BEACON FINANCIAL CORP 10.7 31.89B
MTB M & T BANK CORP 11.61 29.14B
HBANP HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP 11.97 26.92B
HBAN HUNTINGTON BANCSHARES INC 11.1 23.18B
CFG CITIZENS FINANCIAL GROUP 14.65 22.56B
RF REGIONS FINANCIAL CORP 10.97 21.84B
EWBC EAST WEST BANCORP INC 11.52 14.40B
VLYPN VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP 31.28 14.36B
VLYPP VALLEY NATIONAL BANCORP - VLY 8.11311 PERP 30.8 14.14B

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: 397

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.


Can you provide the latest stock price for CITIZENS FINANCIAL SERVICES?

The current stock price of CZFS is 57.2 USD. The price increased by 4.38% in the last trading session.


Does CZFS stock pay dividends?

CITIZENS FINANCIAL SERVICES (CZFS) has a dividend yield of 3.65%. The yearly dividend amount is currently 1.94.


What is the ChartMill rating of CITIZENS FINANCIAL SERVICES stock?

CZFS has a ChartMill Technical rating of 2 out of 10 and a ChartMill Fundamental rating of 4 out of 10.


What do analysts say about CITIZENS FINANCIAL SERVICES (CZFS) stock?

7 analysts have analysed CZFS and the average price target is 65.64 USD. This implies a price increase of 14.76% is expected in the next year compared to the current price of 57.2.


Can you provide the PE ratio for CZFS stock?

The PE ratio for CITIZENS FINANCIAL SERVICES (CZFS) is 8.06. This is based on the reported non-GAAP earnings per share of 7.1 and the current share price of 57.2 USD.


What is the market capitalization of CZFS stock?

CITIZENS FINANCIAL SERVICES (CZFS) has a market capitalization of 275.13M USD. This makes CZFS a Micro Cap stock.


CZFS Technical Analysis

ChartMill assigns a technical rating of 2 / 10 to CZFS. When comparing the yearly performance of all stocks, CZFS is a bad performer in the overall market: 76.44% of all stocks are doing better.


Chartmill TA Rating
Chartmill Setup Rating

CZFS Fundamental Analysis

ChartMill assigns a fundamental rating of 4 / 10 to CZFS. There are concerns on the financial health of CZFS while its profitability can be described as average.


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 14.76% is expected in the next year compared to the current price of 57.2.

For the next year, analysts expect an EPS growth of 20.55% and a revenue growth 11.85% for CZFS


Analysts
Analysts85.71
Price Target65.64 (14.76%)
EPS Next Y20.55%
Revenue Next Year11.85%

CZFS Ownership

Ownership
Inst Owners27.99%
Ins Owners5.14%
Short Float %0.69%
Short Ratio3.51