Free Trial

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

Citizens Financial Services logo
$61.41 -0.40 (-0.65%)
Closing price 09/5/2025 04:00 PM Eastern
Extended Trading
$61.56 +0.15 (+0.24%)
As of 09/5/2025 04:42 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 Polygon.io. Learn more.

About Citizens Financial Services Stock (NASDAQ:CZFS)

Key Stats

Today's Range
$60.72
$61.41
50-Day Range
$52.42
$64.70
52-Week Range
$49.33
$74.65
Volume
3,150 shs
Average Volume
8,632 shs
Market Capitalization
$295.38 million
P/E Ratio
9.26
Dividend Yield
3.22%
Price Target
N/A
Consensus Rating
N/A

Company Overview

Citizens Financial Services Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
66th Percentile Overall Score

CZFS MarketRank™: 

Citizens Financial Services scored higher than 66% of companies evaluated by MarketBeat, and ranked 450th out of 922 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    There is not enough analysis data for Citizens Financial Services.

  • Earnings Growth

    Earnings for Citizens Financial Services are expected to grow by 5.47% in the coming year, from $6.40 to $6.75 per share.

  • Price to Earnings Ratio vs. the Market

    The P/E ratio of Citizens Financial Services is 9.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.58.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Citizens Financial Services is 9.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.29.

  • Price to Book Value per Share Ratio

    Citizens Financial Services has a P/B Ratio of 0.98. 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.
  • Percentage of Shares Shorted

    0.85% 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 4.1.
  • Change versus previous month

    Short interest in Citizens Financial Services has recently decreased by 3.75%, indicating that investor sentiment is improving.
  • Dividend Yield

    Citizens Financial Services pays a meaningful dividend of 3.20%, 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 29.86%. 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 29.33% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

  • Read more about Citizens Financial Services' dividend.
  • Percentage of Shares Shorted

    0.85% 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 4.1.
  • Change versus previous month

    Short interest in Citizens Financial Services has recently decreased by 3.75%, indicating that investor sentiment is improving.
  • News Sentiment

    Citizens Financial Services has a news sentiment score of 1.56. 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 0.96 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 3 news articles for Citizens Financial Services this week, compared to 1 article on an average week.
  • Insider Buying vs. Insider Selling

    In the past three months, Citizens Financial Services insiders have sold 278.51% more of their company's stock than they have bought. Specifically, they have bought $740.00 in company stock and sold $2,801.00 in company stock.

  • Percentage Held by Insiders

    Only 6.10% of the stock of Citizens Financial Services is held by insiders.

  • Percentage Held by Institutions

    Only 22.49% 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.

By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

CZFS Stock News Headlines

URGENT: Musk’s IRS move could blindside your retirement
Elon Musk just made a bold financial move — one that some say could hit retirements harder than any recession. Most Americans aren’t prepared, yet there is a little-known IRS-approved strategy that can help protect savings from the next market shock. Originally supported under Trump’s policies, this approach allows you to move retirement funds into safer vehicles designed to withstand inflation, volatility, and political risk. A brand-new 2025 Wealth Protection Guide explains exactly how it works — and how you can use it now, before the next hit to markets arrives.tc pixel
Citizens Financial (CZFS) Q2 EPS Up 60%
CZFS Citizens Financial Services, Inc. - Seeking Alpha
Discover US Undiscovered Gems In June 2025
See More Headlines

CZFS Stock Analysis - Frequently Asked Questions

Citizens Financial Services' stock was trading at $63.31 at the start of the year. Since then, CZFS stock has decreased by 3.0% and is now trading at $61.41.

Citizens Financial Services Inc. (NASDAQ:CZFS) released its quarterly earnings results on Wednesday, July, 30th. The company reported $1.76 EPS for the quarter, topping the consensus estimate of $1.62 by $0.14. The firm had revenue of $27.28 million for the quarter. Citizens Financial Services had a net margin of 18.54% and a trailing twelve-month return on equity of 10.36%.

Top institutional shareholders of Citizens Financial Services include Citizens & Northern Corp (2.46%), Geode Capital Management LLC (2.23%), Hudock Inc. (0.86%) and American Century Companies Inc. (0.59%). Insiders that own company stock include Randall E Black, Robert Joseph Marino, R Joseph Landy, Rinaldo A Depaola, Stephen J Guillaume, John P Painter II, David Z Richards Jr and Leeann Gephart.
View institutional ownership trends
.

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.

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

Record date for 6/27 Dividend
6/13/2025
Ex-Dividend for 6/27 Dividend
6/13/2025
Dividend Payable
6/27/2025
Last Earnings
7/30/2025
Today
9/05/2025
Record date for 9/26 Dividend
9/12/2025
Ex-Dividend for 9/26 Dividend
9/12/2025
Dividend Payable
9/26/2025
Next Earnings (Estimated)
10/29/2025
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
Employees
310
Year Founded
N/A

Profitability

EPS (Trailing Twelve Months)
$6.63
Trailing P/E Ratio
9.32
Forward P/E Ratio
9.60
P/E Growth
N/A
Net Income
$27.82 million
Net Margins
18.54%
Pretax Margin
22.64%
Return on Equity
10.36%
Return on Assets
1.05%

Debt

Debt-to-Equity Ratio
1.00
Current Ratio
1.00
Quick Ratio
0.99

Sales & Book Value

Annual Sales
$169.72 million
Price / Sales
1.74
Cash Flow
$5.96 per share
Price / Cash Flow
10.31
Book Value
$62.97 per share
Price / Book
0.98

Miscellaneous

Outstanding Shares
4,810,000
Free Float
4,514,000
Market Cap
$295.38 million
Optionable
Not Optionable
Beta
0.49

Social Links

Reduce the Risk Cover

Market downturns give many investors pause, and for good reason. Wondering how to offset this risk? Enter your email address to learn more about using beta to protect your portfolio.

Get This Free Report

This page (NASDAQ:CZFS) was last updated on 9/6/2025 by MarketBeat.com Staff
From Our Partners