OTCBB:CZFS - Citizens Financial Services Stock Price, News, & Analysis

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$62.30 0.00 (0.00 %)
(As of 10/18/2018 07:54 AM ET)
Previous Close$62.30
Today's RangeN/A
52-Week Range$50.10 - $65.00
Average Volume304 shs
Market Capitalization$219.50 million
P/E Ratio15.05
Dividend Yield2.81%
Citizens 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 Ratio1.01
Current Ratio0.95
Quick Ratio0.95


Trailing P/E Ratio15.05
Forward P/E Ratio12.03
P/E GrowthN/A

Sales & Book Value

Annual Sales$56.75 million
Price / Sales3.85
Cash Flow$4.5742 per share
Price / Cash13.62
Book Value$36.58 per share
Price / Book1.70


EPS (Most Recent Fiscal Year)$4.14
Net Income$13.02 million
Net Margins24.94%
Return on Equity12.84%
Return on Assets1.24%


Outstanding Shares3,510,000
Market Cap$219.50 million

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 were Citizens Financial Services' earnings last quarter?

Citizens Financial Services Inc (OTCBB:CZFS) posted its quarterly earnings results on Wednesday, July, 25th. The financial services provider reported $1.34 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.20 by $0.14. The financial services provider had revenue of $13.59 million for the quarter, compared to analysts' expectations of $13.74 million. Citizens Financial Services had a return on equity of 12.84% and a net margin of 24.94%. View Citizens Financial Services' Earnings History.

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." View Analyst Ratings for Citizens Financial Services.

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)

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 $219.50 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.

What is Citizens Financial Services' official website?

The official website for Citizens Financial Services is http://www.firstcitizensbank.com.

How can I contact Citizens Financial Services?

Citizens Financial Services' mailing address is 15 SOUTH MAIN STREET, 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:  2.2 out of 5 (star star)
Outperform Votes:  57 (Vote Outperform)
Underperform Votes:  71 (Vote Underperform)
Total Votes:  128
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 10/18/2018 by MarketBeat.com Staff

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