NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $63.80 -2.09 (-3.17%) Closing price 04:00 PM EasternExtended Trading$64.08 +0.28 (+0.44%) 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$63.80▼$65.2850-Day Range$57.89▼$69.0252-Week Range$49.99▼$69.58Volume3,055 shsAverage Volume5,921 shsMarket Capitalization$306.88 millionP/E Ratio7.79Dividend Yield3.13%Price TargetN/AConsensus RatingModerate Buy 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™ Stocks66th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 66% of companies evaluated by MarketBeat, and ranked 608th out of 878 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.7 / 5Analyst RatingModerate Buy Consensus RatingCitizens Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 1 strong buy rating, no buy ratings, 2 hold ratings, 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 Valuation2.5 / 5Proj. Earnings Growth1.54% Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 1.54% in the coming year, from $7.81 to $7.93 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 7.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.45.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 7.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.21.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.91. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.84% 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 6.04.Change versus previous monthShort interest in Citizens Financial Services has recently decreased by 23.81%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 3.13%, 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 24.42%. 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 25.22% 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 MediaN/ANews SentimentN/A Company Ownership1.9 / 5Insider TradingAcquiring Shares 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 $742.00 in company stock and sold $0.00 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.comLouis Navellier: My #1 AI stock for 2026 (name & ticker inside)Louis Navellier's Stock Grader system helped him flag Nvidia before its 82,000% run and has identified the top S&P 500 stock for 12 years running—and today, he's giving away his #1 AI stock pick for 2026, free. This company's sales are up 28% year over year, it holds over 30,000 patents in wireless and video technology, and it just earned an A-rating in his proprietary Stock Grader system that has cost him $9 million to build and maintain.May 8 at 1:00 AM | InvestorPlace (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 at the beginning of the year. Since then, CZFS stock has increased by 11.9% and is now trading at $63.80. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services Inc. (NASDAQ:CZFS) announced its quarterly earnings results on Wednesday, April, 29th. The company reported $2.16 earnings per share for the quarter, topping 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 12.05% and a net margin of 22.47%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional shareholders include Dimensional Fund Advisors LP (0.59%), Bank of New York Mellon Corp (0.32%) and NBT Bank N A NY (0.03%). 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. 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 Record date for 3/27 Dividend3/13/2026Ex-Dividend for 3/27 Dividend3/13/2026Dividend Payable3/27/2026Last Earnings4/29/2026Today5/08/2026Fiscal 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 (4m+) 1-Year History May 25 Aug 25 Nov 25 Feb 26 May 26 CZFS's financial health is in the Green zone, according to TradeSmith. CZFS has been in this zone for over 4 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 Ratio7.79 Forward P/E Ratio7.75 P/E GrowthN/ANet Income$36.57 million Net Margins22.47% Pretax Margin26.07% Return on Equity12.05% Return on Assets1.30% Debt Debt-to-Equity Ratio0.92 Current Ratio1.00 Quick Ratio1.00 Sales & Book Value Annual Sales$173.51 million Price / Sales1.77 Cash Flow$7.15 per share Price / Cash Flow8.92 Book Value$70.33 per share Price / Book0.91Miscellaneous Outstanding Shares4,810,000Free Float4,543,000Market Cap$306.88 million OptionableNot Optionable Beta0.38 Social Links Ten Starter Stocks For Beginners to Buy NowJust getting into the stock market? 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