Logo image of CZFS

CITIZENS FINANCIAL SERVICES (CZFS) Stock Overview

USA - NASDAQ:CZFS - US1746151042 - Common Stock

56.94 USD
+0.29 (+0.51%)
Last: 10/22/2025, 8:24:30 PM

CZFS Key Statistics, Chart & Performance

Key Statistics
Market Cap273.88M
Revenue(TTM)105.03M
Net Income(TTM)31.60M
Shares4.81M
Float4.51M
52 Week High74.65
52 Week Low49.96
Yearly Dividend1.94
Dividend Yield3.76%
EPS(TTM)6.58
PE8.65
Fwd PE7.6
Earnings (Next)10-27 2025-10-27/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 -6

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 10 -10

The current stock price of CZFS is 56.94 USD. In the past month the price decreased by -6.04%. In the past year, price decreased by -1.02%.

CITIZENS FINANCIAL SERVICES / CZFS Daily stock chart

CZFS Latest News, Press Relases and Analysis

a month ago - By: Zacks Investment Research - Mentions: EVR TRMK JRVR SITE
a month ago - By: Zacks Investment Research - Mentions: SRCE NVST
a month ago - By: Zacks Investment Research - Mentions: EVR TRMK
a month ago - By: Zacks Investment Research - Mentions: TROW AEM STRL TATT
2 months ago - By: Zacks Investment Research - Mentions: TROW AEM
2 months ago - By: Zacks Investment Research - Mentions: MPAA OPFI

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 11.6 55.78B
HBANL HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP 17.77 37.09B
HBANM HUNTINGTON BANCSHARES - HBAN 5.7 PERP 16.38 34.19B
BBT BEACON FINANCIAL CORP 9.81 30.98B
MTB M & T BANK CORP 11.21 28.14B
HBANP HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP 12.81 26.74B
HBAN HUNTINGTON BANCSHARES INC 11.1 23.16B
CFG CITIZENS FINANCIAL GROUP 14.18 21.84B
RF REGIONS FINANCIAL CORP 10.62 21.34B
VLYPN VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP 35.9 14.47B
VLYPP VALLEY NATIONAL BANCORP - VLY 8.11311 PERP 35.29 14.22B
EWBC EAST WEST BANCORP INC 11.29 14.11B

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 is the stock price of CITIZENS FINANCIAL SERVICES today?

The current stock price of CZFS is 56.94 USD. The price increased by 0.51% in the last trading session.


What is the ticker symbol for CITIZENS FINANCIAL SERVICES stock?

The exchange symbol of CITIZENS FINANCIAL SERVICES is CZFS and it is listed on the Nasdaq exchange.


On which exchange is CZFS stock listed?

CZFS stock is listed on the Nasdaq exchange.


What is the price forecast or stock price prediction for CITIZENS FINANCIAL SERVICES stock?

7 analysts have analysed CZFS and the average price target is 65.64 USD. This implies a price increase of 15.29% is expected in the next year compared to the current price of 56.94. Check the CITIZENS FINANCIAL SERVICES stock analysts ratings, price target forecast and up-and down grades for more detailed information.


What is CITIZENS FINANCIAL SERVICES worth?

CITIZENS FINANCIAL SERVICES (CZFS) has a market capitalization of 273.88M USD. This makes CZFS a Micro Cap stock.


How many employees does CITIZENS FINANCIAL SERVICES have?

CITIZENS FINANCIAL SERVICES (CZFS) currently has 397 employees.


What are the support and resistance levels for CITIZENS FINANCIAL SERVICES (CZFS) stock?

CITIZENS FINANCIAL SERVICES (CZFS) has a support level at 52.97 and a resistance level at 63.6. Check the full technical report for a detailed analysis of CZFS support and resistance levels.


Is CITIZENS FINANCIAL SERVICES (CZFS) expected to grow?

The Revenue of CITIZENS FINANCIAL SERVICES (CZFS) is expected to grow by 11.85% in the next year. Check the estimates tab for more information on the CZFS EPS, Sales, EBIT and EBITDA future analyst estimates.


Should I buy CITIZENS FINANCIAL SERVICES (CZFS) stock?

There is no straightforward answer here. It depends on your investment strategy as different types of investors will look at different aspects. In any case it is important to make an informed decision and these pages can help you forming an opinion:


Does CITIZENS FINANCIAL SERVICES (CZFS) stock pay dividends?

CITIZENS FINANCIAL SERVICES (CZFS) has a dividend yield of 3.76%. The yearly dividend amount is currently 1.94. Check the full fundamental report for a detailed analysis of CZFS dividend history, reliability and sustainability.


When does CITIZENS FINANCIAL SERVICES (CZFS) report earnings?

CITIZENS FINANCIAL SERVICES (CZFS) will report earnings on 2025-10-27, after the market close.


What is the Price/Earnings (PE) ratio of CITIZENS FINANCIAL SERVICES (CZFS)?

The PE ratio for CITIZENS FINANCIAL SERVICES (CZFS) is 8.65. This is based on the reported non-GAAP earnings per share of 6.58 and the current share price of 56.94 USD. Check the full fundamental report for a full analysis of the valuation metrics for CZFS.


What is the Short Interest ratio of CITIZENS FINANCIAL SERVICES (CZFS) stock?

The outstanding short interest for CITIZENS FINANCIAL SERVICES (CZFS) is 0.79% of its float. Check the ownership tab for more information on the CZFS short interest.


CZFS Technical Analysis


Chartmill TA Rating
Chartmill Setup Rating

CZFS Fundamental Analysis

ChartMill assigns a fundamental rating of 4 / 10 to CZFS. While CZFS is still in line with the averages on profitability rating, there are concerns on its financial health.


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 6.58. The EPS increased by 13.36% compared to the year before.


Industry RankSector Rank
PM (TTM) 30.09%
ROA 1.07%
ROE 10.08%
Debt/Equity 1
Chartmill High Growth Momentum
EPS Q2Q%36.74%
Sales Q2Q%11.02%
EPS 1Y (TTM)13.36%
Revenue 1Y (TTM)3%

CZFS Forecast & Estimates

7 analysts have analysed CZFS and the average price target is 65.64 USD. This implies a price increase of 15.29% is expected in the next year compared to the current price of 56.94.

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 (15.28%)
EPS Next Y20.55%
Revenue Next Year11.85%

CZFS Ownership

Ownership
Inst Owners27.99%
Ins Owners5.14%
Short Float %0.79%
Short Ratio4.11