NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis → Central Banks Preparing for US Dollar Collapse? (From Behind the Markets) (Ad) Free CZFS Stock Alerts $49.20 +3.30 (+7.19%) (As of 03/28/2024 ET) Add Compare Share Share Today's Range$45.75▼$49.4950-Day Range$40.77▼$62.0052-Week Range$40.71▼$92.00Volume8,742 shsAverage Volume6,272 shsMarket Capitalization$231.73 millionP/E Ratio12.57Dividend Yield3.98%Price TargetN/A Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSocial MediaStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSocial Media Get Citizens Financial Services alerts: Email Address Citizens Financial Services MarketRank™ Stock AnalysisAnalyst RatingN/AUpside/DownsideN/AShort InterestBearish0.75% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment0.43Based on 3 Articles This WeekInsider TradingAcquiring Shares$19,200 Bought Last QuarterProj. Earnings Growth6.77%From $6.65 to $7.10 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.2.99 out of 5 starsFinance Sector487th out of 859 stocksState Commercial Banks Industry114th out of 178 stocks N/A Analyst's Opinion Consensus RatingThere is not enough analysis data for Citizens Financial Services. Previous Next 2.0 Short Interest Percentage of Shares Shorted0.75% 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 4.6.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 39.74%, indicating that investor sentiment is decreasing significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 4.45%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens Financial Services has only been increasing its dividend for 3 years.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 50.09%. 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 27.61% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZFS. Previous Next 2.5 News and Social Media Coverage News SentimentCitizens Financial Services has a news sentiment score of 0.43. 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 lower news sentiment than the 0.61 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Citizens Financial Services this week, compared to 0 articles on an average week.MarketBeat Follows1 people have added Citizens Financial Services to their MarketBeat watchlist in the last 30 days. Previous Next 1.7 Company Ownership 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 $19,200.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 6.30% of the stock of Citizens Financial Services is held by insiders.Percentage Held by InstitutionsOnly 22.49% of the stock of Citizens Financial Services is held by institutions. Previous Next 2.5 Earnings and Valuation Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 6.77% in the coming year, from $6.65 to $7.10 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 12.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 144.39.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 12.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 61.85.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.83. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here Ad Behind the MarketsCentral Banks Preparing for US Dollar Collapse?China is spearheading this blatant de-dollarization push, dominating the physical gold market through massive central bank buying. Their ultimate goal? Ditching the greenback in favor of local BRICS currencies.Find out how you can protect yourself now >>> About Citizens Financial Services Stock (NASDAQ:CZFS)Citizens Financial Services, Inc., a bank holding company, 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 assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.Read More CZFS Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZFS Stock News HeadlinesMarch 14, 2024 | news.yahoo.comConstitution defines citizens' rights in other states and 'republican' form of governmentMarch 6, 2024 | newsweek.comCitizens Bank Savings Account Interest Rates: March 2024March 29, 2024 | Behind the Markets (Ad)Central Banks Preparing for US Dollar Collapse?China is spearheading this blatant de-dollarization push, dominating the physical gold market through massive central bank buying. Their ultimate goal? Ditching the greenback in favor of local BRICS currencies.March 6, 2024 | cnn.comCitizens Financial Services, Inc.February 24, 2024 | msn.comCitizens Community Bancorp (CZWI) Price Target Increased by 14.58% to 14.03February 3, 2024 | msn.comApplications open for the 2024 City of Wichita Falls Citizens AcademyJanuary 23, 2024 | investing.comCitizens Financial Group Inc (CFG)January 18, 2024 | realmoney.thestreet.comCitizens Financial price target raised by $2 at BofA, here's whyMarch 29, 2024 | Behind the Markets (Ad)Central Banks Preparing for US Dollar Collapse?China is spearheading this blatant de-dollarization push, dominating the physical gold market through massive central bank buying. Their ultimate goal? Ditching the greenback in favor of local BRICS currencies.December 13, 2023 | msn.comCitizens Financial Services goes ex-dividend tomorrowDecember 9, 2023 | finance.yahoo.comIs It Smart To Buy Citizens Financial Services, Inc. (NASDAQ:CZFS) Before It Goes Ex-Dividend?December 7, 2023 | msn.comCitizens Financial (CFG) Eyes to Enhance Private CreditOctober 30, 2023 | bizjournals.comTruMark acquires 8-person commercial lending team led by Daniel KrewsonOctober 23, 2023 | markets.businessinsider.comCitizens Financial Services Q3 EPS DeclinesSeptember 11, 2023 | msn.comCitizens Financial to reduce FHLB funding, discusses balance sheet planSeptember 11, 2023 | benzinga.comCitizens Financial Servs's Ex-Dividend Date Is Thursday, Here's What You Need To KnowSeptember 9, 2023 | finance.yahoo.comCitizens Financial Services (NASDAQ:CZFS) Could Be A Buy For Its Upcoming DividendAugust 29, 2023 | finance.yahoo.comShareholders in Citizens Financial Services (NASDAQ:CZFS) are in the red if they invested a year agoAugust 21, 2023 | bizjournals.comBob Marino to depart Citizens Financial Services two months after HV Bancorp acquisitionAugust 21, 2023 | msn.comCitizens Financial: Attractively Valued And Offering A Solid 6% YieldJuly 21, 2023 | reuters.comFactbox: U.S. banks increase reserves for commercial real estate exposureJune 20, 2023 | bizjournals.com$67M sale of Doylestown's HV Bancorp closesJune 13, 2023 | finance.yahoo.comCitizens Financial Services, Inc. Announces Preliminary Results of Merger Consideration Elections Regarding Pending HV Bancorp, Inc. MergerJune 9, 2023 | finance.yahoo.comExchange Ratio Finalized for Citizens Financial Services, Inc. Pending HV Bancorp, Inc. MergerMay 31, 2023 | benzinga.comCitizens, Inc. and Allegiant Forge Strategic Partnership to Deliver White-Label Products to the Fast-Growing Final Expense Agency MarketMarch 4, 2023 | msn.comCitizens Financial Services (CZFS) Declares $0.48 DividendFebruary 16, 2023 | seekingalpha.comCZFS Citizens Financial Services, Inc.See More Headlines 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. Email Address Company Calendar Ex-Dividend for 12/29 Dividend12/14/2023Dividend Payable12/29/2023Last Earnings1/30/2024Ex-Dividend for 3/29 Dividend3/14/2024Today3/28/2024Dividend Payable3/29/2024Next Earnings (Estimated)4/25/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryN/A Current SymbolNASDAQ:CZFS CUSIPN/A CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees395Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$3.9129 Trailing P/E Ratio12.57 Forward P/E Ratio7.40 P/E GrowthN/ANet Income$17.81 million Net Margins12.83% Pretax Margin15.51% Return on Equity11.08% Return on Assets1.01% Debt Debt-to-Equity Ratio1.15 Current Ratio0.99 Quick Ratio0.99 Sales & Book Value Annual Sales$138.72 million Price / Sales1.67 Cash Flow$5.97 per share Price / Cash Flow8.24 Book Value$59.43 per share Price / Book0.83Miscellaneous Outstanding Shares4,710,000Free Float4,410,000Market Cap$231.73 million OptionableNot Optionable Beta0.33 13 Stocks Institutional Investors Won't Stop BuyingWhich stocks are major institutional investors including hedge funds and endowments buying in today's market? Click the link below and we'll send you MarketBeat's list of thirteen stocks that institutional investors are buying up as quickly as they can.Get This Free Report Key ExecutivesMr. Randall E. Black (Age 57)Vice Chairman, President & CEO Comp: $665.33kMr. Mickey L. Jones CPA (Age 63)Executive VP, COO, Treasurer, Assistant Secretary & Director Comp: $402.78kMr. Stephen J. Guillaume (Age 47)Executive VP & CFO Comp: $174.22kMs. Kathleen M. Campbell CFMP (Age 63)Senior VP, CFMP & Director of Marketing of First Citizens National Bank Comp: $109.5kMs. Cynthia T. Pazzaglia (Age 65)Senior Vice President of Human Resources Marina Smalanaskas (Age 52)Senior VP & Southcentral Market Executive Mr. Anthony ManerchiaSenior VP & Chief Banking OfficerMs. Gina Marie BoorCorporate SecretaryMr. Jeffrey L. Wilson (Age 62)Executive VP & Chief Lending Officer of First Citizens Community Bank Comp: $213.98kMr. Jeffrey B. Carr (Age 54)Senior VP & Chief Retail Banking Officer of First Citizens Community Bank Comp: $153.64kMore ExecutivesKey CompetitorsPonce Financial GroupNASDAQ:PDLBTimberland BancorpNASDAQ:TSBKParke BancorpNASDAQ:PKBKBankwell Financial GroupNASDAQ:BWFGMutualFirst FinancialNASDAQ:MFSFView All CompetitorsInsiders & InstitutionsVanguard Group Inc.Bought 2,116 shares on 3/11/2024Ownership: 4.654%Randall E BlackBought 400 shares on 2/20/2024Total: $19,200.00 ($48.00/share)Vanguard Group Inc.Bought 2,116 shares on 2/15/2024Ownership: 4.654%Nuveen Asset Management LLCBought 2,158 shares on 2/15/2024Ownership: 0.171%Barclays PLCBought 4,421 shares on 2/15/2024Ownership: 0.111%View All Insider TransactionsView All Institutional Transactions CZFS Stock Analysis - Frequently Asked Questions Should I buy or sell Citizens Financial Services stock right now? 1 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Citizens Financial Services in the last year. There are currently 1 hold rating for the stock. The consensus among Wall Street equities research analysts is that investors should "hold" CZFS shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in CZFS, but not buy additional shares or sell existing shares. View CZFS analyst ratings or view top-rated stocks. How have CZFS shares performed in 2024? Citizens Financial Services' stock was trading at $64.72 on January 1st, 2024. Since then, CZFS stock has decreased by 24.0% and is now trading at $49.20. View the best growth stocks for 2024 here. Are investors shorting Citizens Financial Services? Citizens Financial Services saw a increase in short interest in the month of March. As of March 15th, there was short interest totaling 32,700 shares, an increase of 39.7% from the February 29th total of 23,400 shares. Based on an average daily trading volume, of 7,100 shares, the days-to-cover ratio is currently 4.6 days. Approximately 0.8% of the company's stock are short sold. View Citizens Financial Services' Short Interest. When is Citizens Financial Services' next earnings date? The company is scheduled to release its next quarterly earnings announcement on Thursday, April 25th 2024. View our CZFS earnings forecast. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) posted its earnings results on Tuesday, January, 30th. The company reported $1.60 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $1.62 by $0.02. The firm had revenue of $25.34 million for the quarter, compared to analyst estimates of $27.80 million. Citizens Financial Services had a trailing twelve-month return on equity of 11.08% and a net margin of 12.83%. How often does Citizens Financial Services pay dividends? What is the dividend yield for Citizens Financial Services? Citizens Financial Services announced a quarterly dividend on Tuesday, March 5th. Shareholders of record on Friday, March 15th will be given a dividend of $0.49 per share on Friday, March 29th. This represents a $1.96 annualized dividend and a dividend yield of 3.98%. The ex-dividend date of this dividend is Thursday, March 14th. Read our dividend analysis for CZFS. Is Citizens Financial Services a good dividend stock? Citizens Financial Services (NASDAQ:CZFS) pays an annual dividend of $1.96 per share and currently has a dividend yield of 4.45%. CZFS has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The company has been increasing its dividend for 3 consecutive year(s), indicating that it does not yet have a strong track record of dividend growth. The dividend payout ratio is 50.09%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZFS will have a dividend payout ratio of 27.61% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for CZFS. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' stock is owned by a variety of retail and institutional investors. Top institutional investors include Vanguard Group Inc. (4.65%), Vanguard Group Inc. (4.65%), Northern Trust Corp (0.77%), Charles Schwab Investment Management Inc. (0.68%), Nuveen Asset Management LLC (0.17%) and Barclays PLC (0.11%). Insiders that own company stock include David Z Richards Jr, R Joseph Landy, Randall E Black, Rinaldo A Depaola, Robert Joseph Marino and Stephen J Guillaume. 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. Compare Top Brokerages Here. This page (NASDAQ:CZFS) was last updated on 3/29/2024 by MarketBeat.com Staff From Our PartnersDid You Get Your Free Bitcoin Yet?Crypto Swap ProfitsTop Project Outperforms BTC in 2023…Crypto 101 MediaMake This $3 Trade the Instant the Opening Bell RingsMonument Traders Alliance“The Stock Market’s Bull Run is Far from Over” -BarronsVertical Research AdvisoryAI Cracks Open Largest Untapped Energy Reserve on EarthBanyan Hill PublishingThis AI Trade Machine Made 1,729%* (With 89% Wins)Prosper Trading AcademyFed launches fourth dollar overhaulStansberry ResearchMost important medical advance in 100 yearsThe Oxford Club Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Citizens Financial Services, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Get 30 Days of MarketBeat All Access Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools: Best-in-Class Portfolio Monitoring View the latest news, buy/sell ratings, SEC filings and insider transactions for your stocks. Compare your portfolio performance to leading indices and get personalized stock ideas based on your portfolio. Stock Ideas and Recommendations Get daily stock ideas from top-performing Wall Street analysts. Get short term trading ideas from the MarketBeat Idea Engine. View which stocks are hot on social media with MarketBeat's trending stocks report. Advanced Stock Screeners and Research Tools Identify stocks that meet your criteria using seven unique stock screeners. See what's happening in the market right now with MarketBeat's real-time news feed. Export data to Excel for your own analysis. Start Your 30-Day Free Trial Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Your Password: or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Choose a Password: Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.