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

Company Overview

Citizens Financial Services, Inc. is a bank holding company headquartered in Mansfield, Pennsylvania. It operates primarily through its subsidiary, First Citizens Community Bank, which provides banking and financial services to individuals, families, businesses and organizations.

First Citizens Community Bank offers deposit accounts, consumer and commercial loans, mortgages, home equity financing, agricultural lending, cash-management services and other business banking solutions. The bank also provides wealth management, trust and investment services, along with insurance and related financial products through its community banking platform.

The company traces its banking operations to 1932 and serves communities in north-central Pennsylvania and neighboring areas of southern New York through branches and other delivery channels. Citizens Financial Services emphasizes relationship-based banking and support for the local households, businesses and communities in its service area.

Key Stats

• Today's Range: $78.30 to $80.32
• 50-Day Range: $71.50 to $83.67
• 52-Week Range: $52.35 to $84.65
• Volume: 34,108 shs
• Average Volume: 33,391 shs
• Market Capitalization: $384.08 million
• P/E Ratio: 9.34
• Dividend Yield: 2.55%
• Price Target: N/A
• Consensus Rating: Buy

Citizens Financial Services Stock Analysis - MarketRank™

Citizens Financial Services scored higher than 64% of companies evaluated by MarketBeat, and ranked 493rd out of 854 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.9 / 5
• Analyst Rating: Buy

Consensus Rating

Citizens 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 Coverage

Citizens Financial Services has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 1.03%

Earnings Growth

Earnings 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 Market

The P/E ratio of Citizens Financial Services is 9.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Financial Services is 9.34, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.95.

Price to Book Value per Share Ratio

Citizens Financial Services has a P/B Ratio of 1.14. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.67% 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 2.19, 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 1.76%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Citizens Financial Services pays a meaningful dividend of 2.57%, higher than the bottom 25% of all stocks that pay dividends.

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 23.86%. 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 23.16% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

Citizens Financial Services has a news sentiment score of 1.79. 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 0.70 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Citizens Financial Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.9 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In 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 Insiders

5.50% of the stock of Citizens Financial Services is held by insiders.

Percentage Held by Institutions

22.49% of the stock of Citizens Financial Services is held by institutions.

Company Calendar

• Last Earnings: 7/30/2026
• Record date for 9/25 Dividend: 9/11/2026
• Ex-Dividend for 9/25 Dividend: 9/11/2026
• Dividend Payable: 9/25/2026
• Today: 9/26/2026
• Next Earnings (Estimated): 10/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CZFS
• CIK: 739421
• Web: www.firstcitizensbank.com
• Phone: (570) 662-2121
• Fax: 570-662-2365
• Employees: 405
• Year Founded: 1872

Profitability

• EPS (Trailing Twelve Months): $8.55
• Trailing P/E Ratio: 9.34
• Forward P/E Ratio: 9.16
• P/E Growth: N/A
• Net Income: $36.57 million
• Net Margins: 23.31%
• Pretax Margin: 28.64%
• Return on Equity: 12.06%
• Return on Assets: 1.33%

Debt

• Debt-to-Equity Ratio: 1.12
• Current Ratio: 1.02
• Quick Ratio: 1.01

Sales & Book Value

• Annual Sales: $173.51 million
• Price / Sales: 2.21
• Cash Flow: $7.43 per share
• Price / Cash Flow: 10.74
• Book Value: $70.33 per share
• Price / Book: 1.14

Miscellaneous

• Outstanding Shares: 4,810,000
• Free Float: 4,545,000
• Market Cap: $384.08 million
• Optionable: Not Optionable
• Beta: 0.36