NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $59.96 -0.53 (-0.88%) Closing price 04:00 PM EasternExtended Trading$59.73 -0.23 (-0.38%) As of 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Citizens Financial Services Stock (NASDAQ:CZFS) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get CZFS alerts:Sign Up Key Stats Today's Range$59.76▼$60.2050-Day Range$52.42▼$64.7052-Week Range$49.33▼$74.65Volume5,988 shsAverage Volume10,055 shsMarket Capitalization$288.41 millionP/E Ratio9.04Dividend Yield3.30%Price TargetN/AConsensus RatingN/A Company Overview Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts 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. Read More Citizens Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks56th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 56% of companies evaluated by MarketBeat, and ranked 581st out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Citizens Financial Services. Earnings and Valuation2.5 / 5Proj. Earnings Growth5.47% Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 5.47% in the coming year, from $6.40 to $6.75 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 9.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 98.68.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.04, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 221.25.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.92. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Citizens Financial Services' valuation and earnings. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted0.89% of the float of Citizens Financial Services has been sold short.Short Interest Ratio / Days to CoverCitizens Financial Services has a short interest ratio ("days to cover") of 4.2.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 9.89%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 3.27%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCitizens Financial Services does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 29.86%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens Financial Services will have a dividend payout ratio of 29.33% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.Read more about Citizens Financial Services' dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.89% of the float of Citizens Financial Services has been sold short.Short Interest Ratio / Days to CoverCitizens Financial Services has a short interest ratio ("days to cover") of 4.2.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 9.89%, indicating that investor sentiment is decreasing significantly. News and Social Media2.4 / 5News SentimentN/A News SentimentCitizens Financial Services has a news sentiment score of 1.29. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.18 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for Citizens Financial Services this week, compared to 1 article on an average week. Company Ownership1.7 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have sold 221.58% more of their company's stock than they have bought. Specifically, they have bought $871.00 in company stock and sold $2,801.00 in company stock.Percentage Held by InsidersOnly 6.10% of the stock of Citizens Financial Services is held by insiders.Percentage Held by InstitutionsOnly 22.49% of the stock of Citizens Financial Services is held by institutions.Read more about Citizens Financial Services' insider trading history. 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CZFS Stock News Headlines5 High-Quality Regional Bank Stocks Breaking OutAugust 18, 2025 | msn.comCitizens Financial Services Reports Q2 2025 Financial ResultsAugust 2, 2025 | theglobeandmail.comThe Coin That Could Define Trump’s Crypto PresidencyWhen Trump returned to office, one of his first moves was to tap PayPal’s former COO, David Sacks, as a top advisor on crypto and AI. That alone signaled a shift. But insiders close to D.C. aren’t just talking crypto policy—they’re quietly buying something most retail investors have missed. While the crowd chases Bitcoin to $150,000, Weiss Ratings expert Juan Villaverde believes a different coin—already backed by giants like Google, Visa, and PayPal—could soon become crypto’s “Third Giant.”August 29 at 2:00 AM | Weiss Ratings (Ad)Citizens Financial (CZFS) Q2 EPS Up 60%August 1, 2025 | fool.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2025 FINANCIAL RESULTSJuly 30, 2025 | prnewswire.comCZFS Citizens Financial Services, Inc. - Seeking AlphaJune 26, 2025 | seekingalpha.comCZFS - Citizens Financial Services Inc Dividends - MorningstarJune 24, 2025 | morningstar.comMDiscover US Undiscovered Gems In June 2025June 20, 2025 | finance.yahoo.comSee More Headlines CZFS Stock Analysis - Frequently Asked Questions How have CZFS shares performed this year? Citizens Financial Services' stock was trading at $63.31 at the beginning of the year. Since then, CZFS stock has decreased by 5.3% and is now trading at $59.96. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) announced its quarterly earnings results on Wednesday, July, 30th. The company reported $1.76 EPS for the quarter, topping analysts' consensus estimates of $1.62 by $0.14. The business earned $27.28 million during the quarter. Citizens Financial Services had a trailing twelve-month return on equity of 10.36% and a net margin of 18.54%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional shareholders include Citizens & Northern Corp (2.46%), Geode Capital Management LLC (2.23%), Hudock Inc. (0.86%) and American Century Companies Inc. (0.59%). Insiders that own company stock include Randall E Black, Robert Joseph Marino, R Joseph Landy, Rinaldo A Depaola, Stephen J Guillaume, John P Painter II, David Z Richards Jr and Leeann Gephart. View institutional ownership trends. How do I buy shares of Citizens Financial Services? Shares of CZFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Citizens Financial Services own? Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens Financial Services investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Arista Networks (ANET), ServiceNow (NOW) and Advanced Micro Devices (AMD). Company Calendar Record date for 6/27 Dividend6/13/2025Ex-Dividend for 6/27 Dividend6/13/2025Dividend Payable6/27/2025Last Earnings7/30/2025Today8/29/2025Next Earnings (Estimated)10/29/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST Sub-IndustryBanking Current SymbolNASDAQ:CZFS CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees310Year FoundedN/AProfitability EPS (Trailing Twelve Months)$6.63 Trailing P/E Ratio9.04 Forward P/E Ratio9.37 P/E GrowthN/ANet Income$27.82 million Net Margins18.54% Pretax Margin22.64% Return on Equity10.36% Return on Assets1.05% Debt Debt-to-Equity Ratio1.00 Current Ratio1.00 Quick Ratio0.99 Sales & Book Value Annual Sales$105.03 million Price / Sales2.74 Cash Flow$5.78 per share Price / Cash Flow10.37 Book Value$65.25 per share Price / Book0.92Miscellaneous Outstanding Shares4,807,000Free Float4,514,000Market Cap$288.23 million OptionableNot Optionable Beta0.45 Social Links Ten Starter Stocks For Beginners to Buy NowJust getting into the stock market? 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