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

Company Overview

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

Key Stats

• Today's Range: $64.22 to $64.53
• 50-Day Range: $54.13 to $64.41
• 52-Week Range: $38.71 to $74.65
• Volume: 2,692 shs
• Average Volume: 13,410 shs
• Market Capitalization: $306.59 million
• P/E Ratio: 10.77
• Dividend Yield: 3.07%
• Price Target: N/A
• Consensus Rating: N/A

CZFS Stock Analysis - Frequently Asked Questions

How have CZFS shares performed this year?

Citizens Financial Services' stock was trading at $63.31 at the beginning of the year. Since then, CZFS stock has increased by 1.7% and is now trading at $64.41.

How were Citizens Financial Services' earnings last quarter?

Citizens Financial Services Inc. (NASDAQ:CZFS) posted its quarterly earnings data on Wednesday, April, 30th. The company reported $1.60 earnings per share for the quarter, beating analysts' consensus estimates of $1.49 by $0.11. The firm earned $26.44 million during the quarter. Citizens Financial Services had a trailing twelve-month return on equity of 9.83% and a net margin of 16.79%.

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 Earnings: 4/30/2025
• Record date for 6/27 Dividend: 6/13/2025
• Ex-Dividend for 6/27 Dividend: 6/13/2025
• Dividend Payable: 6/27/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CZFS
• CIK: 739421
• Web: www.firstcitizensbank.com
• Phone: (570) 662-2121
• Fax: 570-662-2365
• Employees: 310
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $5.98
• Trailing P/E Ratio: 10.77
• Forward P/E Ratio: 10.06
• P/E Growth: N/A
• Net Income: $27.82 million
• Net Margins: 16.79%
• Pretax Margin: 20.42%
• Return on Equity: 9.83%
• Return on Assets: 0.98%

Debt

• Debt-to-Equity Ratio: 0.98
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $169.72 million
• Price / Sales: 1.81
• Cash Flow: $5.99 per share
• Price / Cash Flow: 10.75
• Book Value: $62.97 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 4,760,000
• Free Float: 4,470,000
• Market Cap: $306.59 million
• Optionable: Not Optionable
• Beta: 0.44