NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $82.55 +0.29 (+0.35%) Closing price 09/9/2026 04:00 PM EasternExtended Trading$85.10 +2.55 (+3.09%) As of 09/9/2026 07:07 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 ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOwnershipSEC FilingsShort Interest 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$81.57▼$82.8150-Day Range$70.12▼$83.6752-Week Range$52.35▼$84.65Volume35,508 shsAverage Volume30,949 shsMarket Capitalization$397.07 millionP/E Ratio9.65Dividend Yield2.47%Price TargetN/AConsensus RatingBuy 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™ Stocks61st Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 61% of companies evaluated by MarketBeat, and ranked 492nd out of 836 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.9 / 5Analyst RatingBuy Consensus RatingCitizens Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, 1 buy rating, 1 hold rating, and no sell ratings.Amount of Analyst CoverageCitizens Financial Services has only been the subject of 2 research reports in the past 90 days.Read more about Citizens Financial Services' stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth1.03% Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 1.03% in the coming year, from $8.72 to $8.81 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 9.65, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.09.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.65, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.78.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 1.17. 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 Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.59% 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 1.54, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 20.15%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 2.48%, 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 23.86%. 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 23.16% 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 Media3.3 / 5News Sentiment1.26 News SentimentCitizens Financial Services has a news sentiment score of 1.26. 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 0.91 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for Citizens Financial Services this week, compared to 1 article on an average week. Company Ownership1.9 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have sold 63.86% more of their company's stock than they have bought. Specifically, they have bought $1,832.00 in company stock and sold $3,002.00 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. 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CZFS Stock News HeadlinesDespite Recent Gains, Opportunity Remains With Citizens Financial ServicesAugust 30, 2026 | seekingalpha.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTSJuly 30, 2026 | prnewswire.comEarth's biggest energy source: near Grand CanyonThe largest energy source on Earth contains 50,000 times every oil and gas reserve on the planet combined - and much of it sits beneath the desert near the Grand Canyon. A drilling crew just hit the DOE's 2035 targets twelve years early, with costs down 50% in 18 months. Google signed on, Gates invested, and the Pentagon made it a priority. One company has been quietly building this infrastructure for sixty years. | Behind the Markets (Ad)Earnings To Watch: Citizens Financial Services Inc (CZFS) Q2 2026 -- GF Value Sees 25% DownsideJuly 29, 2026 | finance.yahoo.comEarnings To Watch: Citizens Financial Services Inc (CZFS) Reports Q1 2026 ResultApril 30, 2026 | finance.yahoo.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTSApril 29, 2026 | prnewswire.comCitizens Financial Services Has A Structural Advantage As Interest Rates FallMarch 26, 2026 | seekingalpha.comCitizens Financial Services Reports Solid Q4 2025 PerformanceJanuary 30, 2026 | theglobeandmail.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 beginning of the year. Since then, CZFS shares have increased by 44.8% and is now trading at $82.55. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) announced its earnings results on Thursday, July, 30th. The company reported $2.12 earnings per share for the quarter, beating the consensus estimate of $1.98 by $0.14. The firm earned $29.71 million during the quarter, compared to analysts' expectations of $29.30 million. Citizens Financial Services had a trailing twelve-month return on equity of 12.06% and a net margin of 23.31%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional shareholders include BlackRock Inc. (7.39%), Hudock Inc. (1.62%), De Lisle Partners LLP (0.43%) and Bank of New York Mellon Corp (0.34%). Insiders that own company stock include Randall E Black, Robert Joseph Marino, R Joseph Landy, 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 6/26 Dividend6/12/2026Ex-Dividend for 6/26 Dividend6/12/2026Dividend Payable6/26/2026Last Earnings7/30/2026Today9/10/2026Record date for 9/25 Dividend9/11/2026Ex-Dividend for 9/25 Dividend9/11/2026Dividend Payable9/25/2026Next Earnings (Estimated)10/29/2026Fiscal 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 (8m+) 1-Year History Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 CZFS's financial health is in the Green zone, according to TradeSmith. CZFS has been in this zone for over 8 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:CZFS CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees310Year Founded1872Profitability EPS (Trailing Twelve Months)$8.55 Trailing P/E Ratio9.65 Forward P/E Ratio9.47 P/E GrowthN/ANet Income$36.57 million Net Margins23.31% Pretax Margin28.64% Return on Equity12.06% Return on Assets1.33% Debt Debt-to-Equity Ratio1.12 Current Ratio1.02 Quick Ratio1.01 Sales & Book Value Annual Sales$173.51 million Price / Sales2.29 Cash Flow$7.41 per share Price / Cash Flow11.14 Book Value$70.33 per share Price / Book1.17Miscellaneous Outstanding Shares4,810,000Free Float4,545,000Market Cap$397.07 million OptionableNot Optionable Beta0.36 Social Links Don't Wait for the OpenAI IPOThe AI wave will soon hit public markets with Anthropic and OpenAI set to go public later this year. However, you don't have to wait to invest. 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