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NASDAQ:CZFS

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

Citizens Financial Services logo
$57.06 -0.79 (-1.36%)
As of 10:12 AM Eastern
This is a fair market value price provided by Polygon.io. Learn more.

About Citizens Financial Services Stock (NASDAQ:CZFS)

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Key Stats

Today's Range
$57.06
$57.70
50-Day Range
$52.42
$64.95
52-Week Range
$49.96
$74.65
Volume
717 shs
Average Volume
10,223 shs
Market Capitalization
$274.26 million
P/E Ratio
8.61
Dividend Yield
3.51%
Price Target
N/A
Consensus Rating
Hold

Company Overview

Citizens Financial Services Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
57th Percentile Overall Score

CZFS MarketRank™: 

Citizens Financial Services scored higher than 57% of companies evaluated by MarketBeat, and ranked 630th out of 923 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • 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 8.61, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 234.34.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Citizens Financial Services is 8.61, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.36.

  • Price to Book Value per Share Ratio

    Citizens Financial Services has a P/B Ratio of 0.91. 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.
  • Percentage of Shares Shorted

    0.79% 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 3.5, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Citizens Financial Services has recently increased by 7.19%, indicating that investor sentiment is decreasing significantly.
  • Dividend Leadership

    Citizens Financial Services is a leading dividend payer. It pays a dividend yield of 3.51%, putting its dividend yield in the top 25% of dividend-paying stocks.

  • 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 30.17%. 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 29.63% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

  • Read more about Citizens Financial Services' dividend.
  • Percentage of Shares Shorted

    0.79% 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 3.5, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Citizens Financial Services has recently increased by 7.19%, indicating that investor sentiment is decreasing significantly.
  • News Sentiment

    Citizens Financial Services has a news sentiment score of -0.14. 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 0.69 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.
  • Search Interest

    3 people have searched for CZFS on MarketBeat in the last 30 days.
  • Insider Buying vs. Insider Selling

    In the past three months, Citizens Financial Services insiders have sold just slightly more of their company's stock than they have bought. Specifically, they have bought $740.00 in company stock and sold $835.00 in company stock. It is common for insiders to sell company stock at intervals simply to diversify their holdings.

  • 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.

  • Read more about Citizens Financial Services' insider trading history.
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CZFS Stock News Headlines

URGENT: The Market's 3 Red Flags Are Flashing
Here’s the uncomfortable truth: The smartest investors in the world are already preparing for a crash before 2025 ends.tc pixel
Citizens Financial (CZFS) Q2 EPS Up 60%
CZFS Citizens Financial Services, Inc. - Seeking Alpha
See More Headlines

CZFS Stock Analysis - Frequently Asked Questions

Citizens Financial Services' stock was trading at $63.31 on January 1st, 2025. Since then, CZFS shares have decreased by 9.9% and is now trading at $57.0550.

Citizens Financial Services Inc. (NASDAQ:CZFS) announced its quarterly earnings results on Wednesday, July, 30th. The company reported $1.76 earnings per share for the quarter, beating analysts' consensus estimates of $1.62 by $0.14. The firm earned $27.28 million during the quarter. Citizens Financial Services had a net margin of 18.54% and a trailing twelve-month return on equity of 10.36%.

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.

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
7/30/2025
Record date for 9/26 Dividend
9/12/2025
Ex-Dividend for 9/26 Dividend
9/12/2025
Dividend Payable
9/26/2025
Today
10/07/2025
Next Earnings (Estimated)
10/29/2025
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
Employees
310
Year Founded
1872

Profitability

EPS (Trailing Twelve Months)
$6.63
Trailing P/E Ratio
8.61
Forward P/E Ratio
8.91
P/E Growth
N/A
Net Income
$27.82 million
Net Margins
18.54%
Pretax Margin
22.64%
Return on Equity
10.36%
Return on Assets
1.05%

Debt

Debt-to-Equity Ratio
1.00
Current Ratio
1.00
Quick Ratio
0.99

Sales & Book Value

Annual Sales
$105.03 million
Price / Sales
2.61
Cash Flow
$5.99 per share
Price / Cash Flow
9.52
Book Value
$62.97 per share
Price / Book
0.91

Miscellaneous

Outstanding Shares
4,807,000
Free Float
4,514,000
Market Cap
$274.26 million
Optionable
Not Optionable
Beta
0.47

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This page (NASDAQ:CZFS) was last updated on 10/7/2025 by MarketBeat.com Staff
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