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

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.

Key Stats

• Today's Range: $61.07 to $63.98
• 50-Day Range: $52.42 to $64.65
• 52-Week Range: $49.96 to $74.65
• Volume: 11,318 shs
• Average Volume: 8,352 shs
• Market Capitalization: $297.11 million
• P/E Ratio: 9.32
• Dividend Yield: 3.24%
• Price Target: N/A
• Consensus Rating: N/A

Citizens Financial Services Stock Analysis - MarketRank™

Citizens Financial Services scored higher than 72% of companies evaluated by MarketBeat, and ranked 411th out of 951 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens Financial Services.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 5.47%

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 9.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 268.10.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Financial Services is 9.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 236.29.

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.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.74% 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 3.6, 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 decreased by 13.25%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

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 30.17%. 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 29.63% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.74% 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 3.6, 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 decreased by 13.25%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: N/A

News Sentiment

Citizens Financial Services has a news sentiment score of 0.98. 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 news sentiment score is similar to the average news sentiment 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.

Search Interest

3 people have searched for CZFS on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

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.

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 2025. Since then, CZFS stock has decreased by 2.4% and is now trading at $61.77.

How were Citizens Financial Services' earnings last quarter?

Citizens Financial Services Inc. (NASDAQ:CZFS) announced its earnings results on Wednesday, July, 30th. The company reported $1.76 EPS for the quarter, beating analysts' consensus estimates of $1.62 by $0.14. The company earned $27.28 million during the quarter. Citizens Financial Services had a net margin of 18.54% and a trailing twelve-month return on equity of 10.36%.

Who are Citizens Financial Services' major shareholders?

Citizens Financial Services' top institutional shareholders 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.

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 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
• Record date for 9/26 Dividend: 9/12/2025
• Ex-Dividend for 9/26 Dividend: 9/12/2025
• Today: 9/17/2025
• 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
• Web: www.firstcitizensbank.com
• Phone: (570) 662-2121
• Fax: 570-662-2365
• Employees: 310
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $6.63
• Trailing P/E Ratio: 9.32
• Forward P/E Ratio: 9.65
• 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: 1.75
• Cash Flow: $5.88 per share
• Price / Cash Flow: 10.50
• Book Value: $62.97 per share
• Price / Book: 0.98

Miscellaneous

• Outstanding Shares: 4,810,000
• Free Float: 4,514,000
• Market Cap: $297.11 million
• Optionable: Not Optionable
• Beta: 0.49