NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $80.90 0.00 (0.00%) Closing price 10/2/2026 04:00 PM EasternExtended Trading$79.96 -0.94 (-1.16%) As of 10/2/2026 08:00 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$79.06▼$80.9750-Day Range$75.97▼$83.6752-Week Range$52.35▼$84.65Volume45,540 shsAverage Volume39,870 shsMarket Capitalization$389.13 millionP/E Ratio9.46Dividend Yield2.52%Price TargetN/AConsensus RatingBuy Company Overview Citizens Financial Services, Inc. is a bank holding company headquartered in Mansfield, Pennsylvania. It operates through its principal subsidiary, First Citizens Community Bank, a community banking institution that provides financial services to individuals, families, businesses and organizations. First Citizens Community Bank offers deposit accounts, consumer and commercial lending, residential mortgages, home equity financing, online and mobile banking, cash management and other traditional banking services. Through its wealth management operations, the bank also provides trust, investment and financial planning services. The company traces its banking history to 1932 and primarily serves communities in Pennsylvania and southern New York. Its market area includes north-central Pennsylvania as well as selected central and southeastern Pennsylvania communities, with services delivered through branch offices and digital banking channels.AI Generated. May Contain Errors. Read More Citizens Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks54th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 54% of companies evaluated by MarketBeat, and ranked 565th out of 839 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 9.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.66.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.42.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 1.15. 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 Shorted1.67% 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 2.19, 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 1.76%, indicating that investor sentiment is decreasing. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 2.52%, 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 Media1.6 / 5News SentimentN/A News SentimentCitizens Financial Services has a news sentiment score of 0.58. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for Citizens Financial Services this week, compared to 1 article on an average week. Company Ownership1.9 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have bought 70.74% more of their company's stock than they have sold. Specifically, they have bought $1,832.00 in company stock and sold $1,073.00 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.comTrump's New DollarPorter Stansberry says President Trump has signed an executive order initiating what he calls a full U.S. dollar reset - and most Americans don't know it's happening. The last time America underwent a monetary shift like this, under Nixon in the 1970s, it minted an average of 1,300 new millionaires a day for over half a century. Stansberry has released a new documentary naming the assets he believes are positioned to surge as a result. | Porter & Company (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 41.9% and is now trading at $80.90. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) announced its quarterly earnings data on Thursday, July, 30th. The company reported $2.12 earnings per share (EPS) for the quarter, beating the consensus estimate of $1.98 by $0.14. The company earned $29.71 million during the quarter, compared to analyst estimates of $29.30 million. Citizens Financial Services had a net margin of 23.31% and a trailing twelve-month return on equity of 12.06%. 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 Earnings7/30/2026Record date for 9/25 Dividend9/11/2026Ex-Dividend for 9/25 Dividend9/11/2026Dividend Payable9/25/2026Today10/05/2026Next 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 (9m+) 1-Year History Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 CZFS's financial health is in the Green zone, according to TradeSmith. CZFS has been in this zone for over 9 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:CZFS CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees405Year Founded1872Profitability EPS (Trailing Twelve Months)$8.55 Trailing P/E Ratio9.46 Forward P/E Ratio9.28 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 / Sales2.24 Cash Flow$7.38 per share Price / Cash Flow10.96 Book Value$70.33 per share Price / Book1.15Miscellaneous Outstanding Shares4,810,000Free Float4,545,000Market Cap$389.13 million OptionableNot Optionable Beta0.37 Social Links 10 Stocks Powering The Next AI Boom The AI boom is creating opportunities across semiconductors, cloud computing, enterprise software, infrastructure, cybersecurity, and automation. 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