NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $56.86 +1.91 (+3.48%) (As of 07/26/2024 ET) Add Compare Share Share Today's Range$54.80▼$56.8650-Day Range$39.60▼$56.8652-Week Range$38.52▼$71.22Volume15,054 shsAverage Volume9,045 shsMarket Capitalization$267.81 millionP/E Ratio15.41Dividend Yield3.45%Price Target$53.00 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends Get Citizens Financial Services alerts: Email Address Citizens Financial Services MarketRank™ Stock AnalysisAnalyst RatingBuy3.00 Rating ScoreUpside/Downside6.8% Downside$53.00 Price TargetShort InterestHealthy0.94% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment0.22Based on 6 Articles This WeekInsider TradingAcquiring Shares$12,000 Bought Last QuarterProj. Earnings Growth18.18%From $5.50 to $6.50 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.3.49 out of 5 starsFinance Sector370th out of 898 stocksState Commercial Banks Industry78th out of 181 stocks 1.5 Analyst's Opinion 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 buy rating, no hold ratings, and no sell ratings.Amount of Analyst CoverageCitizens Financial Services has only been the subject of 1 research reports in the past 90 days.Read more about Citizens Financial Services' stock forecast and price target. Previous Next 3.0 Short Interest Percentage of Shares Shorted0.94% 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 3.4, 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 88.69%, indicating that investor sentiment is decreasing significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 3.73%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens Financial Services does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 53.12%. 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 30.15% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.Read more about Citizens Financial Services' dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZFS. Previous Next 2.3 News and Social Media Coverage News SentimentCitizens Financial Services has a news sentiment score of 0.22. 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 lower news sentiment than the 0.49 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 6 news articles for Citizens Financial Services this week, compared to 0 articles on an average week.MarketBeat Follows1 people have added Citizens Financial Services to their MarketBeat watchlist in the last 30 days. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $12,000.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 6.30% of the stock of Citizens Financial Services is held by insiders.Percentage Held by InstitutionsOnly 22.49% of the stock of Citizens Financial Services is held by institutions.Read more about Citizens Financial Services' insider trading history. Previous Next 3.8 Earnings and Valuation Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 18.18% in the coming year, from $5.50 to $6.50 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 15.41, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 140.95.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 15.41, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 56.20.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Citizens Financial Services' valuation and earnings. Previous Next See Top Rated MarketRank™ Stocks Here Ad Porter & CompanyObama wins Presidential debate When I said Obama would seek a third term… They called me a conspiracy theorist, they said it couldn’t happen, that the 22nd Amendment makes it impossible. But as I explained on live radio years ago, “he could have a proxy… while he remains in control of the administration much like Putin did in Russia.” Please, watch this now before it’s too late. About Citizens Financial Services Stock (NASDAQ:CZFS)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.Read More CZFS Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZFS Stock News HeadlinesJuly 26 at 5:24 PM | marketwatch.comCitizens Financial Group Inc. stock underperforms Friday when compared to competitorsJuly 22, 2024 | marketwatch.comCitizens Financial Group Inc. stock rises Monday, still underperforms marketJuly 26, 2024 | Porter & Company (Ad)We recommended Nvidia in 2016, now we’re recommending this…The AI boom is just getting started. And the real wealth has still to be made…July 22, 2024 | americanbankingnews.comReviewing Citizens Financial Services (NASDAQ:CZFS) & Orrstown Financial Services (NASDAQ:ORRF)May 28, 2024 | msn.comCitizens Bank Home Equity Review 2024: No Closing Costs and Fast FundingMay 28, 2024 | msn.comCitizens Bank Home Equity Review 2024: No Closing Costs and Fast FundingMay 28, 2024 | bizjournals.comCitizens policies at 1.2 million, likely to dropMay 9, 2024 | seekingalpha.comCitizens Financial Group: Two Good Income OptionsJuly 26, 2024 | Porter & Company (Ad)We recommended Nvidia in 2016, now we’re recommending this…The AI boom is just getting started. And the real wealth has still to be made…May 8, 2024 | tmcnet.comCitizens Financial Group to Participate in the Bernstein 40th Annual Strategic Decisions Conference 2024April 25, 2024 | prnewswire.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2024 FINANCIAL RESULTSApril 19, 2024 | markets.businessinsider.comBuy Rating Reaffirmed for Citizens Financial with Increased Target Price Amid Positive Financial OutlookApril 18, 2024 | markets.businessinsider.comCitizens Financial (CFG) Receives a Hold from KBWApril 18, 2024 | insidermonkey.comCitizens Financial Group, Inc. (NYSE:CFG) Q1 2024 Earnings Call TranscriptApril 18, 2024 | benzinga.comCitizens Financial Group Stock: A Deep Dive Into Analyst Perspectives (6 Ratings)April 17, 2024 | benzinga.comCitizens Financial Broadly Affirms FY24 Forecast Post Mixed Q1 Results: DetailsMarch 29, 2024 | yahoo.comWhat is Citizens Bank Park's bag policy? Bag rules for 2024 season, explainedMarch 14, 2024 | news.yahoo.comConstitution defines citizens' rights in other states and 'republican' form of governmentSee More Headlines 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. Email Address Company Calendar Last Earnings7/21/2023Ex-Dividend for 6/28 Dividend6/14/2024Dividend Payable6/28/2024Today7/26/2024Next Earnings (Estimated)7/29/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:CZFS CUSIPN/A CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees310Year FoundedN/APrice Target and Rating Average Stock Price Target$53.00 High Stock Price Target$53.00 Low Stock Price Target$53.00 Potential Upside/Downside-3.3%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$3.69 Trailing P/E Ratio14.85 Forward P/E Ratio9.96 P/E GrowthN/ANet Income$17.81 million Net Margins11.63% Pretax Margin13.94% Return on Equity10.43% Return on Assets0.97% Debt Debt-to-Equity Ratio1.00 Current Ratio0.98 Quick Ratio0.98 Sales & Book Value Annual Sales$138.72 million Price / Sales1.86 Cash Flow$5.56 per share Price / Cash Flow9.86 Book Value$59.43 per share Price / Book0.92Miscellaneous Outstanding Shares4,710,000Free Float4,410,000Market Cap$258.06 million OptionableNot Optionable Beta0.48 10 "Recession Proof" Stocks That Will Thrive in Any MarketWhich stocks are likely to thrive in today's challenging market? Click the link below and we'll send you MarketBeat's list of ten stocks that will drive in any economic environment.Get This Free Report Key ExecutivesMr. Randall E. Black (Age 57)Vice Chairman, President & CEO Comp: $665.33kMr. Mickey L. Jones CPA (Age 63)Executive VP, COO, Treasurer, Assistant Secretary & Director Comp: $402.78kMr. Stephen J. Guillaume (Age 47)Executive VP & CFO Comp: $174.22kMs. Kathleen M. Campbell CFMP (Age 63)Senior VP, CFMP & Director of Marketing of First Citizens National Bank Comp: $109.5kMs. Cynthia T. Pazzaglia (Age 65)Senior Vice President of Human Resources Marina Smalanaskas (Age 52)Senior VP & Southcentral Market Executive Mr. Anthony ManerchiaSenior VP & Chief Banking OfficerMs. Gina Marie BoorCorporate SecretaryMr. Jeffrey L. Wilson (Age 62)Executive VP & Chief Lending Officer of First Citizens Community Bank Comp: $213.98kMr. Jeffrey B. Carr (Age 54)Senior VP & Chief Retail Banking Officer of First Citizens Community Bank Comp: $153.64kMore ExecutivesKey CompetitorsTimberland BancorpNASDAQ:TSBKColony BankcorpNASDAQ:CBANCentral Valley Community BancorpNASDAQ:CVCYPonce Financial GroupNASDAQ:PDLBMackinac FinancialNASDAQ:MFNCView All CompetitorsInsiders & InstitutionsBank of New York Mellon CorpBought 4,369 shares on 7/26/2024Ownership: 0.504%Nisa Investment Advisors LLCBought 706 shares on 7/20/2024Ownership: 0.015%Vanguard Group Inc.Bought 10,058 shares on 5/10/2024Ownership: 4.871%Stephen J GuillaumeBought 300 shares on 4/30/2024Total: $12,000.00 ($40.00/share)Randall E BlackBought 400 shares on 2/20/2024Total: $19,200.00 ($48.00/share)View All Insider TransactionsView All Institutional Transactions CZFS Stock Analysis - Frequently Asked Questions How have CZFS shares performed this year? Citizens Financial Services' stock was trading at $64.72 on January 1st, 2024. Since then, CZFS stock has decreased by 12.1% and is now trading at $56.86. View the best growth stocks for 2024 here. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) posted its earnings results on Friday, July, 21st. The company reported ($0.02) EPS for the quarter, meeting analysts' consensus estimates of ($0.02). Citizens Financial Services had a net margin of 11.63% and a trailing twelve-month return on equity of 10.43%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional shareholders include Bank of New York Mellon Corp (0.50%) and Nisa Investment Advisors LLC (0.01%). Insiders that own company stock include Randall E Black, Robert Joseph Marino, R Joseph Landy, Rinaldo A Depaola, Stephen J Guillaume and David Z Richards Jr. 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. Compare Top Brokerages Here. This page (NASDAQ:CZFS) was last updated on 7/26/2024 by MarketBeat.com Staff From Our Partners625,000% GainImagine swapping your daily coffee expense for a future free of financial worries. It might seem far-fetche...Crypto Swap Profits | Sponsored“Generational Bull Run” IncomingLIVE Cash Flow Workshop Event / Hosted Virtually Weds @ 7PM EST Everyone who attends will also receive 3 sp...Unstoppable Prosperity | SponsoredThis student turned $1,300 into $45,000 in just 4 Months!With the help of S.A.M. (my new AI-powered scanner) it's now easier than ever to find these unique trades... ...Monument Traders Alliance | SponsoredCollapse of the PetrodollarThe death of the "petrodollar" seems imminent. 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