NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $73.82 +2.83 (+3.99%) Closing price 06/26/2026 04:00 PM EasternExtended Trading$73.19 -0.63 (-0.85%) As of 06/26/2026 04:31 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 Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Citizens Financial Services Stock (NASDAQ:CZFS) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get CZFS alerts:Sign Up Key Stats Today's Range$69.84▼$74.4750-Day Range$62.57▼$73.8252-Week Range$49.99▼$74.47Volume83,448 shsAverage Volume7,986 shsMarket Capitalization$354.34 millionP/E Ratio9.01Dividend Yield2.76%Price TargetN/AConsensus RatingModerate Buy Company Overview Citizens Financial Services, Inc. (NASDAQ:CZFS) is a bank holding company headquartered in Elderton, Pennsylvania, providing a range of retail and commercial banking services through its primary subsidiary, Citizens Savings Bank. The company offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit, supported by online and mobile banking platforms tailored to personal and business clients. Beyond deposit-taking, Citizens Financial Services underwrites a variety of lending products, including residential mortgage loans, home equity financing, commercial real estate loans, construction lending and consumer installment loans. The company’s lending decisions are made locally, reflecting its commitment to serving the credit needs of individuals and small to mid-sized businesses in Indiana County and surrounding communities. Tracing its roots to a 19th-century mutual savings institution, Citizens Savings Bank reorganized under a holding company structure to support strategic growth and operational flexibility. Today, the company operates a network of full-service branch offices and ATMs throughout its core Pennsylvania market and remains subject to oversight by federal and state banking regulators, highlighting its focus on safety, soundness and community engagement.AI Generated. May Contain Errors. Read More Citizens Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks51st Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 51% of companies evaluated by MarketBeat, and ranked 643rd out of 876 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.5 / 5Analyst RatingModerate Buy Consensus RatingCitizens Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 1 strong buy rating, no buy ratings, 2 hold ratings, and no sell ratings.Amount of Analyst CoverageCitizens Financial Services has only been the subject of 1 research reports in the past 90 days.Read more about Citizens Financial Services' stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth0.97% Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 0.97% in the coming year, from $8.23 to $8.31 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 9.01, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.96.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.01, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.48.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued 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 Shorted0.87% 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 5.59.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 7.60%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 2.76%, 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 24.91%. 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 24.55% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.Read more about Citizens Financial Services' dividend. News and Social Media2.9 / 5News Sentiment0.62 News SentimentCitizens 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 0.74 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Citizens Financial Services this week, compared to 1 article on an average week.Search Interest1 people have searched for CZFS on MarketBeat in the last 30 days. Company Ownership1.9 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have bought 8.92% more of their company's stock than they have sold. Specifically, they have bought $2,101.00 in company stock and sold $1,929.00 in company stock.Percentage Held by Insiders5.50% of the stock of Citizens Financial Services is held by insiders.Percentage Held by Institutions22.49% 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. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTSApril 29, 2026 | prnewswire.comBuy this stock todayMarc Chaikin, founder of Chaikin Analytics, is sharing a strategy he calls 'Sell This, Buy That' - a way to move out of overpriced AI stocks before the tech trade breaks down and into lesser-known names with real potential to challenge the Mag 7. One pick he calls 'an upgrade to Tesla stock' is a little-known company that just inked a partnership with Nvidia, positioning it ahead of Tesla in the autonomous vehicle race. | Chaikin Analytics (Ad)Citizens Financial Services Has A Structural Advantage As Interest Rates FallMarch 26, 2026 | seekingalpha.comCitizens Financial Services Reports Solid Q4 2025 PerformanceJanuary 30, 2026 | theglobeandmail.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2025 FINANCIAL RESULTSJanuary 29, 2026 | prnewswire.comCitizens Financial Services Remains Compelling Even In Light Of Share Price UnderperformanceDecember 19, 2025 | seekingalpha.comWhy You Might Be Interested In Citizens Financial Services, Inc. (NASDAQ:CZFS) For Its Upcoming DividendDecember 7, 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 $57.02 at the start of the year. Since then, CZFS stock has increased by 29.5% and is now trading at $73.82. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) posted its quarterly earnings data on Wednesday, April, 29th. The company reported $2.16 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $1.98 by $0.18. The firm had revenue of $29.80 million for the quarter, compared to analysts' expectations of $29.10 million. Citizens Financial Services had a trailing twelve-month return on equity of 11.89% and a net margin of 22.47%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional shareholders include Dimensional Fund Advisors LP (0.59%), Segall Bryant & Hamill LLC (0.43%), Bank of New York Mellon Corp (0.32%) and Quantinno Capital Management LP (0.29%). 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 Last Earnings4/29/2026Record date for 6/26 Dividend6/12/2026Ex-Dividend for 6/26 Dividend6/12/2026Dividend Payable6/26/2026Today6/27/2026Next Earnings (Estimated)7/29/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (5m+) 1-Year History Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 CZFS's financial health is in the Green zone, according to TradeSmith. CZFS has been in this zone for over 5 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST Sub-IndustryBanking Current SymbolNASDAQ:CZFS CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees310Year Founded1872Profitability EPS (Trailing Twelve Months)$8.19 Trailing P/E Ratio9.01 Forward P/E Ratio8.97 P/E GrowthN/ANet Income$36.57 million Net Margins22.47% Pretax Margin27.72% Return on Equity11.89% Return on Assets1.30% Debt Debt-to-Equity Ratio0.58 Current Ratio0.95 Quick Ratio0.95 Sales & Book Value Annual Sales$173.51 million Price / Sales2.04 Cash Flow$7.38 per share Price / Cash Flow10.00 Book Value$70.33 per share Price / Book1.05Miscellaneous Outstanding Shares4,800,000Free Float4,541,000Market Cap$354.34 million OptionableNot Optionable Beta0.38 Social Links Options Trading Made Easy - Download NowLearn the basics of options trading and how to use them to boost returns and manage risk with this free report from MarketBeat. Click the link below to get your free copy.Get This Free Report This page (NASDAQ:CZFS) was last updated on 6/28/2026 by MarketBeat.com Staff. From Our PartnersSPCX Warning - and Worst News for Stocks in 50 YearsGoldman Sachs and Morgan Stanley are now predicting what could be the worst news for the U.S. stock market in ...TradeSmith | SponsoredRickards Predicts: Trump to buy tiny $2 stock?Jim Rickards believes the Trump administration is about to take a direct stake in a $2 stock sitting on the la...Paradigm Press | SponsoredThe $15 Gold Fund That Pays Up to $1,152/MonthGold is hitting record highs, but most investors are leaving income on the table. 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