NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $56.50 +2.37 (+4.38%) Closing price 05/2/2025 04:00 PM EasternExtended Trading$56.46 -0.03 (-0.06%) As of 05/2/2025 04:05 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$55.39▼$56.5050-Day Range$53.49▼$61.9052-Week Range$39.10▼$75.40Volume5,808 shsAverage Volume13,922 shsMarket Capitalization$268.94 millionP/E Ratio9.63Dividend Yield3.50%Price TargetN/AConsensus RatingN/A Company OverviewCitizens 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™ Stocks65th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 65% of companies evaluated by MarketBeat, and ranked 687th out of 949 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 9.63, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.98.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.63, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.27.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted1.45% 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 5.8.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 10.09%, indicating that investor sentiment is decreasing significantly. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 3.66%, 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 33.11%. 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 Shorted1.45% 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 5.8.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 10.09%, indicating that investor sentiment is decreasing significantly. News and Social Media3.0 / 5News Sentiment1.44 News SentimentCitizens Financial Services has a news sentiment score of 1.44. 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 0.93 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 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 more of their company's stock than they have sold. Specifically, they have bought $747.00 in company stock and sold $0.00 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, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTSApril 30, 2025 | prnewswire.comShould You Buy Citizens Financial Services, Inc. (NASDAQ:CZFS) For Its Upcoming Dividend?March 9, 2025 | finance.yahoo.comTrump’s Bitcoin Reserve is No Accident…Bryce Paul believes this is the #1 coin to buy right now The catalyst behind this surge is a massive new blockchain development…May 4, 2025 | Crypto 101 Media (Ad)Citizens Financial Services' (NASDAQ:CZFS) Shareholders Will Receive A Bigger Dividend Than Last YearMarch 8, 2025 | finance.yahoo.comCitizens Financial Services, Inc. (CZFS)February 21, 2025 | ca.finance.yahoo.comCitizens Financial Services reports Q4 EPS $1.68 vs. $1.59 last yearJanuary 30, 2025 | markets.businessinsider.comCitizens Financial Engages Investors on Robust PerformanceJanuary 30, 2025 | tipranks.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTSJanuary 30, 2025 | prnewswire.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 start of the year. Since then, CZFS stock has decreased by 10.8% and is now trading at $56.50. View the best growth stocks for 2025 here. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) issued its earnings results on Wednesday, April, 30th. The company reported $1.60 EPS for the quarter, beating analysts' consensus estimates of $1.49 by $0.11. The company had revenue of $26.44 million for the quarter. Citizens Financial Services had a net margin of 16.39% and a trailing twelve-month return on equity of 9.93%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional shareholders include GAMMA Investing LLC (0.50%), Bank of New York Mellon Corp (0.27%), Segall Bryant & Hamill LLC (0.24%) and Bryn Mawr Capital Management LLC (0.12%). 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 and David Z Richards Jr. 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 3/28 Dividend3/14/2025Ex-Dividend for 3/28 Dividend3/14/2025Dividend Payable3/28/2025Last Earnings4/30/2025Today5/04/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:CZFS CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees310Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$5.98 Trailing P/E Ratio9.63 Forward P/E Ratio8.83 P/E GrowthN/ANet Income$27.82 million Net Margins16.39% Pretax Margin19.79% Return on Equity9.93% Return on Assets0.97% Debt Debt-to-Equity Ratio0.78 Current Ratio0.97 Quick Ratio0.96 Sales & Book Value Annual Sales$102.36 million Price / Sales2.63 Cash Flow$5.04 per share Price / Cash Flow11.21 Book Value$59.43 per share Price / Book0.95Miscellaneous Outstanding Shares4,760,000Free Float4,460,000Market Cap$268.94 million OptionableNot Optionable Beta0.40 2025 Gold Forecast: A Perfect Storm for DemandUnlock the timeless value of gold with our exclusive 2025 Gold Forecasting Report. Explore why gold remains the ultimate investment for safeguarding wealth against inflation, economic shifts, and global uncertainties. Whether you're planning for future generations or seeking a reliable asset in turbulent times, this report is your essential guide to making informed decisions.Get This Free Report This page (NASDAQ:CZFS) was last updated on 5/4/2025 by MarketBeat.com Staff From Our PartnersElon’s Terrifying Warning Forces Trump To Take ActionElon Musk has avoided two major financial crises before. He pulled Tesla and SpaceX back from the brink of col...American Hartford Gold | SponsoredWarning: “DOGE Collapse” imminentElon Strikes Back You may already sense that the tide is turning against Elon Musk and DOGE. Just this week...Altimetry | SponsoredThe Trump Dump is starting; Get out of stocks now?The first 365 days of the Trump presidency… Will be the best time to get rich in American history.Paradigm Press | SponsoredMost traders are panicking. We’re cashing inMost traders are panicking right now. Bitcoin’s dropping. Altcoins are bleeding. The stock market’s a mess....Crypto Swap Profits | SponsoredTrump to redistribute trillions of dollars Trump’s Final Reset Inside the shocking plot to re-engineer America’s financial system…and why you need to ...Porter & Company | SponsoredElon Musk is all in on these robots …Robots — built by Nvidia. Forbes says this could be " a $24 trillion opportunity for investors." Huang s...Weiss Ratings | SponsoredIf you missed your chance with Tesla...Elon Musk is moments from launching a revolutionary technology some Silicon Valley insiders are calling "The F...Brownstone Research | SponsoredAI Boom Takes a Shocking Turn…What 99% of Investors are Missing in AI I believe it could be worth a fortune in the near future, yet hardl...Crypto 101 Media | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Citizens Financial Services, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share Citizens Financial Services With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.