NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $52.61 -1.08 (-2.01%) Closing price 08/1/2025 04:00 PM EasternExtended Trading$52.52 -0.09 (-0.17%) As of 08/1/2025 05:03 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$52.00▼$53.7050-Day Range$52.61▼$64.7052-Week Range$40.79▼$74.65Volume8,752 shsAverage Volume10,400 shsMarket Capitalization$250.42 millionP/E Ratio7.94Dividend Yield3.76%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™ Stocks74th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 74% of companies evaluated by MarketBeat, and ranked 436th out of 919 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 7.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 7.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.84. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.81% 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.Change versus previous monthShort interest in Citizens Financial Services has recently decreased by 16.51%, indicating that investor sentiment is improving significantly. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 3.69%, putting its dividend yield in the top 25% of dividend-paying stocks.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 Shorted0.81% 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.Change versus previous monthShort interest in Citizens Financial Services has recently decreased by 16.51%, indicating that investor sentiment is improving significantly. News and Social Media2.1 / 5News Sentiment0.83 News SentimentCitizens Financial Services has a news sentiment score of 0.83. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 5 news articles for Citizens Financial Services this week, compared to 1 article on an average week. Company Ownership1.7 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have bought 371.69% more of their company's stock than they have sold. Specifically, they have bought $13,212.00 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. Receive CZFS Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens Financial Services and its competitors with MarketBeat's FREE daily newsletter. Email Address CZFS Stock News HeadlinesCitizens Financial Services Reports Q2 2025 Financial Results4 hours ago | theglobeandmail.comCitizens Financial (CZFS) Q2 EPS Up 60%August 1 at 5:02 AM | fool.comElon’s BIGGEST warning yet?Tesla's About to Prove Everyone Wrong... Again Back in 2018, when Jeff Brown told everyone to buy Tesla… The "experts" said Elon was finished and Tesla was headed for bankruptcy. Now they're saying the same thing, but Jeff has uncovered Tesla's next breakthrough.August 2 at 2:00 AM | Brownstone Research (Ad)CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2025 FINANCIAL RESULTSJuly 30 at 4:15 PM | prnewswire.comCitizens Financial Services (CZFS) to Release Earnings on TuesdayJuly 28, 2025 | americanbankingnews.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 2025. Since then, CZFS shares have decreased by 16.9% and is now trading at $52.61. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) issued its quarterly earnings data on Wednesday, July, 30th. The company reported $1.76 EPS for the quarter, topping analysts' consensus estimates of $1.62 by $0.14. The firm had revenue of $27.28 million for the quarter. Citizens Financial Services had a trailing twelve-month return on equity of 10.46% and a net margin of 18.54%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional investors include Citizens & Northern Corp (2.46%) and GAMMA Investing LLC (0.02%). 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 Earnings7/30/2025Today8/02/2025Fiscal 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 Ratio7.94 Forward P/E Ratio8.22 P/E GrowthN/ANet Income$27.82 million Net Margins18.54% Pretax Margin20.42% Return on Equity10.46% Return on Assets1.05% Debt Debt-to-Equity Ratio0.98 Current Ratio0.99 Quick Ratio0.99 Sales & Book Value Annual Sales$169.72 million Price / Sales1.48 Cash Flow$5.87 per share Price / Cash Flow8.96 Book Value$62.97 per share Price / Book0.84Miscellaneous Outstanding Shares4,760,000Free Float4,470,000Market Cap$250.42 million OptionableNot Optionable Beta0.45 The Next 7 Blockbuster Stocks for Growth InvestorsWondering what the next stocks will be that hit it big, with solid fundamentals? 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