Citizens Financial Services (CZFS) Stock Price, News & Analysis

Company Overview

Citizens Financial Services, Inc. (NASDAQ:CZFS) is a bank holding company headquartered in Warren, Pennsylvania, providing community-oriented banking services across northwestern and north-central Pennsylvania and eastern Ohio. Through its subsidiary, Citizens Financial Bank, the company offers a comprehensive suite of financial products designed to meet the needs of individuals, families and businesses. Citizens Financial Services operates a network of branch offices and automated teller machines, supported by digital banking platforms that deliver 24/7 access to accounts and services.

The company’s core business activities include retail deposit gathering, consumer lending and commercial lending. On the retail side, Citizens Financial Services offers checking and savings accounts, money market accounts, certificates of deposit and individual retirement accounts. It also provides consumer loans such as mortgages, home equity lines of credit, auto loans and personal lines of credit. For business customers, the bank delivers commercial term loans, commercial real estate financing and asset-based lending, backed by treasury management solutions including online cash management, merchant services and remote deposit capture.

Founded in 1992, Citizens Financial Services was established to serve the financial needs of communities in Pennsylvania and Ohio that were, at the time, underserved by larger regional institutions. Over the years, the company has grown organically and through strategic de novo branch openings, maintaining a focus on relationship-based banking. Its community involvement extends to support for local economic development initiatives, charitable organizations and educational programs, reinforcing Citizens Financial’s commitment to the regions it serves.

Under the leadership of O. Foster Brown III, who serves as Chairman and Chief Executive Officer, Citizens Financial Services emphasizes sound risk management, technological innovation and customer-centric service. The executive management team brings deep banking expertise, and the board of directors combines local business leadership with financial industry experience. Together, they guide the company’s strategic growth, aiming to balance profitability with community impact.

Key Stats

• Today's Range: $59.88 to $63.00
• 50-Day Range: $55.31 to $64.70
• 52-Week Range: $40.79 to $74.65
• Volume: 15,841 shs
• Average Volume: 13,417 shs
• Market Capitalization: $289.88 million
• P/E Ratio: 10.18
• Dividend Yield: 3.25%
• Price Target: N/A
• Consensus Rating: N/A

Citizens Financial Services Stock Analysis - MarketRank™

Citizens Financial Services scored higher than 70% of companies evaluated by MarketBeat, and ranked 432nd out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens Financial Services.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 5.47%

Earnings Growth

Earnings 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 Market

The P/E ratio of Citizens Financial Services is 10.18, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Financial Services is 10.18, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Citizens Financial Services has a P/B Ratio of 0.97. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.97% of the float of Citizens Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Citizens Financial Services has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in Citizens Financial Services has recently decreased by 7.04%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Citizens Financial Services pays a meaningful dividend of 3.11%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Citizens Financial Services does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Citizens Financial Services is 33.11%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.97% of the float of Citizens Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Citizens Financial Services has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in Citizens Financial Services has recently decreased by 7.04%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.62

News Sentiment

Citizens Financial Services has a news sentiment score of 0.62. 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 lower news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Citizens Financial Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In 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 Insiders

Only 6.10% of the stock of Citizens Financial Services is held by insiders.

Percentage Held by Institutions

Only 22.49% of the stock of Citizens Financial Services is held by institutions.

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 shares have decreased by 3.8% and is now trading at $60.90.

How were Citizens Financial Services' earnings last quarter?

Citizens Financial Services Inc. (NASDAQ:CZFS) announced its earnings results on Wednesday, April, 30th. The company reported $1.60 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.49 by $0.11. The business had revenue of $26.44 million for the quarter. Citizens Financial Services had a trailing twelve-month return on equity of 9.83% and a net margin of 16.79%.

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

• Last Earnings: 4/30/2025
• Record date for 6/27 Dividend: 6/13/2025
• Ex-Dividend for 6/27 Dividend: 6/13/2025
• Dividend Payable: 6/27/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CZFS
• CIK: 739421
• Web: www.firstcitizensbank.com
• Phone: (570) 662-2121
• Fax: 570-662-2365
• Employees: 310
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $5.98
• Trailing P/E Ratio: 10.18
• Forward P/E Ratio: 9.52
• P/E Growth: N/A
• Net Income: $27.82 million
• Net Margins: 16.79%
• Pretax Margin: 20.42%
• Return on Equity: 9.83%
• Return on Assets: 0.98%

Debt

• Debt-to-Equity Ratio: 0.98
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $169.72 million
• Price / Sales: 1.71
• Cash Flow: $5.73 per share
• Price / Cash Flow: 10.62
• Book Value: $62.97 per share
• Price / Book: 0.97

Miscellaneous

• Outstanding Shares: 4,760,000
• Free Float: 4,470,000
• Market Cap: $289.88 million
• Optionable: Not Optionable
• Beta: 0.44