NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $72.49 +0.28 (+0.39%) Closing price 04:00 PM EasternExtended Trading$72.46 -0.03 (-0.04%) As of 04:10 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$71.39▼$73.6650-Day Range$62.57▼$74.1352-Week Range$49.99▼$74.70Volume10,684 shsAverage Volume12,344 shsMarket Capitalization$347.95 millionP/E Ratio8.85Dividend Yield2.81%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™ Stocks70th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 70% of companies evaluated by MarketBeat, and ranked 430th out of 877 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.1 / 5Analyst RatingBuy Consensus RatingCitizens Financial Services has received a consensus rating of Buy. The company's average rating score is 3.33, and is based on 2 strong buy ratings, no buy ratings, 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 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 8.85, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.49.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 8.85, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.61.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 1.03. 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 2.83%, 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 Media3.9 / 5News SentimentN/A News SentimentCitizens Financial Services has a news sentiment score of 1.20. 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 0.66 average news sentiment score 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.Search Interest1 people have searched for CZFS on MarketBeat in the last 30 days. MarketBeat Follows1 people have added Citizens Financial Services to their MarketBeat watchlist 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. 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CZFS Stock News HeadlinesEarnings 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.comThree companies about to leapfrog Nvidia [And transform the entire industry]The government just committed $200 billion to building computer chips on American soil - one of the largest technology bets in U.S. history. George Gilder, who has tracked technology signals for over 40 years, believes Washington just tipped its hand. He says this move points to a coming shift in computing that could leave today's machines behind - and most investors have already moved past the headline.July 6 at 1:00 AM | Eagle Publishing (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 on January 1st, 2026. Since then, CZFS shares have increased by 27.1% and is now trading at $72.49. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) issued its quarterly earnings results 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 business earned $29.80 million during the quarter, compared to the consensus estimate 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%. 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 Payable6/26/2026Today7/06/2026Next 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 (6m+) 1-Year History Jul 25 Oct 25 Jan 26 Apr 26 Jul 26 CZFS's financial health is in the Green zone, according to TradeSmith. CZFS has been in this zone for over 6 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 Ratio8.85 Forward P/E Ratio8.81 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 / Sales2.01 Cash Flow$7.41 per share Price / Cash Flow9.78 Book Value$70.33 per share Price / Book1.03Miscellaneous Outstanding Shares4,800,000Free Float4,541,000Market Cap$347.95 million OptionableNot Optionable Beta0.36 Social Links 7 Best Space Stocks to Own in 2026The space race is growing fast, and you don’t have to have gotten in early on SpaceX to profit. 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