OTCBB:CZFS - Citizens Financial Services Stock Price, Price Target & More

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$62.30 0.00 (0.00 %)
(As of 07/20/2018 04:00 PM ET)
Previous Close$62.30
Today's RangeN/A
52-Week Range$50.10 - $65.00
Average Volume309 shs
Market Capitalization$217.96 million
P/E Ratio15.05
Dividend Yield2.80%
Citizens Financial Services logoCitizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank that 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 manages oil and gas matters related to the customers land; and mutual funds, annuities, and health and life insurance products. As of December 31, 2017, the company operated 26 full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, and Centre counties, Pennsylvania; and Allegany County, New York, as well as a limited branch office each in Union and Lancaster counties, Pennsylvania. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

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Industry, Sector and Symbol

Stock Exchange OTCBB
Industry State commercial banks


Debt-to-Equity Ratio0.96
Current Ratio0.94
Quick Ratio0.94


Trailing P/E Ratio15.05
Forward P/E Ratio12.71
P/E GrowthN/A

Sales & Book Value

Annual Sales$56.75 million
Price / Sales3.85
Cash Flow$4.6114 per share
Price / Cash13.51
Book Value$36.58 per share
Price / Book1.70


EPS (Most Recent Fiscal Year)$4.14
Net Income$13.02 million
Net Margins23.80%
Return on Equity12.00%
Return on Assets1.17%


Outstanding Shares3,510,000
Market Cap$217.96

Citizens Financial Services (OTCBB:CZFS) Frequently Asked Questions

What is Citizens Financial Services' stock symbol?

Citizens Financial Services trades on the OTCBB under the ticker symbol "CZFS."

How often does Citizens Financial Services pay dividends? What is the dividend yield for Citizens Financial Services?

Citizens Financial Services declared a quarterly dividend on Tuesday, September 5th. Stockholders of record on Friday, September 15th will be given a dividend of $0.43 per share on Friday, September 29th. This represents a $1.72 annualized dividend and a dividend yield of 2.76%. The ex-dividend date of this dividend is Thursday, September 14th. View Citizens Financial Services' Dividend History.

How were Citizens Financial Services' earnings last quarter?

Citizens Financial Services Inc (OTCBB:CZFS) released its earnings results on Wednesday, July, 26th. The financial services provider reported $1.00 EPS for the quarter. The financial services provider had revenue of $12.29 million for the quarter. Citizens Financial Services had a return on equity of 12.00% and a net margin of 23.80%. View Citizens Financial Services' Earnings History.

What price target have analysts set for CZFS?

1 Wall Street analysts have issued 1-year price targets for Citizens Financial Services' stock. Their predictions range from $63.50 to $63.50. On average, they expect Citizens Financial Services' stock price to reach $63.50 in the next year. This suggests a possible upside of 1.9% from the stock's current price. View Analyst Ratings for Citizens Financial Services.

What is the consensus analysts' recommendation for Citizens Financial Services?

1 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Citizens Financial Services in the last year. There are currently 1 buy rating for the stock, resulting in a consensus recommendation of "Buy."

Who are some of Citizens Financial Services' key competitors?

Who are Citizens Financial Services' key executives?

Citizens Financial Services' management team includes the folowing people:
  • Mr. Randall E. Black, CEO, Pres & Director (Age 51)
  • Mr. Mickey L. Jones CPA, Exec. VP, CFO, Treasurer & COO (Age 57)
  • Mr. Jeffrey L. Wilson, Exec. VP of Commercial Banking Services (Age 56)
  • Mr. Jeffrey B. Carr, Sr. VP of Retail Banking Services (Age 48)
  • Mr. Terry B. Osborne, Exec. VP, Chief Credit Officer & Sec. (Age 64)

Has Citizens Financial Services been receiving favorable news coverage?

Media coverage about CZFS stock has trended somewhat positive on Friday, according to Accern Sentiment. The research firm identifies negative and positive news coverage by analyzing more than 20 million blog and news sources. Accern ranks coverage of public companies on a scale of negative one to one, with scores nearest to one being the most favorable. Citizens Financial Services earned a daily sentiment score of 0.10 on Accern's scale. They also gave news articles about the financial services provider an impact score of 45.62 out of 100, meaning that recent news coverage is somewhat unlikely to have an impact on the company's share price in the next few days.

How do I buy shares of Citizens Financial Services?

Shares of CZFS can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is Citizens Financial Services' stock price today?

One share of CZFS stock can currently be purchased for approximately $62.30.

How big of a company is Citizens Financial Services?

Citizens Financial Services has a market capitalization of $217.96 million and generates $56.75 million in revenue each year. The financial services provider earns $13.02 million in net income (profit) each year or $4.14 on an earnings per share basis. Citizens Financial Services employs 273 workers across the globe.

How can I contact Citizens Financial Services?

Citizens Financial Services' mailing address is 15 S MAIN ST, MANSFIELD PA, 16933. The financial services provider can be reached via phone at 570-662-2121 or via email at [email protected]

MarketBeat Community Rating for Citizens Financial Services (OTCBB CZFS)

Community Ranking:  2.3 out of 5 (star star)
Outperform Votes:  52 (Vote Outperform)
Underperform Votes:  63 (Vote Underperform)
Total Votes:  115
MarketBeat's community ratings are surveys of what our community members think about Citizens Financial Services and other stocks. Vote "Outperform" if you believe CZFS will outperform the S&P 500 over the long term. Vote "Underperform" if you believe CZFS will underperform the S&P 500 over the long term. You may vote once every thirty days.
This page was last updated on 7/20/2018 by MarketBeat.com Staff

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