NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis → Gold Set to EXPLODE! (From Gold Safe Exchange) (Ad) Free CZFS Stock Alerts $42.36 +0.11 (+0.26%) (As of 06/14/2024 ET) Add Compare Share Share Today's Range$41.14▼$43.7050-Day Range$40.00▼$48.4052-Week Range$38.52▼$86.09Volume8,233 shsAverage Volume7,542 shsMarket Capitalization$199.52 millionP/E Ratio11.48Dividend Yield4.63%Price Target$53.00 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends Get Citizens Financial Services alerts: Email Address Citizens Financial Services MarketRank™ Stock AnalysisAnalyst RatingBuy3.00 Rating ScoreUpside/Downside25.1% Upside$53.00 Price TargetShort InterestHealthy0.41% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment0.89Based on 4 Articles This WeekInsider TradingAcquiring Shares$12,000 Bought Last QuarterProj. Earnings Growth18.18%From $5.50 to $6.50 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.4.74 out of 5 starsFinance Sector104th out of 871 stocksState Commercial Banks Industry27th out of 174 stocks 3.5 Analyst's Opinion Consensus RatingCitizens Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.Amount of Analyst CoverageCitizens Financial Services has only been the subject of 1 research reports in the past 90 days.Read more about Citizens Financial Services' stock forecast and price target. Previous Next 5.0 Short Interest Percentage of Shares Shorted0.41% 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 2.6, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens Financial Services has recently decreased by 23.40%, indicating that investor sentiment is improving significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 4.54%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens Financial Services does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 53.12%. 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 30.15% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.Read more about Citizens Financial Services' 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 2.2 News and Social Media Coverage News SentimentCitizens Financial Services has a news sentiment score of 0.89. 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 WeekMarketBeat has tracked 4 news articles for Citizens Financial Services this week, compared to 0 articles on an average week.MarketBeat FollowsOnly 1 people have added Citizens Financial Services to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 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 $12,000.00 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.Read more about Citizens Financial Services' insider trading history. Previous Next 3.8 Earnings and Valuation Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 18.18% in the coming year, from $5.50 to $6.50 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 11.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 130.68.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 11.48, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 50.84.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.71. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Citizens Financial Services' valuation and earnings. Previous Next See Top Rated MarketRank™ Stocks Here Ad Gold Safe ExchangeGold Set to EXPLODE!The perfect storm is brewing to drive gold's price through the roof! And our weakening dollars are causing demand from Central Banks and billionaires to EXPLODE! The elites are buying up gold like nothing we've seen before… Click here now to download the free Precious Metals Buying Guide. 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 HeadlinesMay 28, 2024 | msn.comCitizens Bank Home Equity Review 2024: No Closing Costs and Fast FundingMay 28, 2024 | msn.comCitizens Bank Home Equity Review 2024: No Closing Costs and Fast FundingMay 28, 2024 | bizjournals.comCitizens policies at 1.2 million, likely to dropMay 9, 2024 | seekingalpha.comCitizens Financial Group: Two Good Income OptionsMay 8, 2024 | tmcnet.comCitizens Financial Group to Participate in the Bernstein 40th Annual Strategic Decisions Conference 2024April 25, 2024 | prnewswire.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2024 FINANCIAL RESULTSApril 19, 2024 | markets.businessinsider.comBuy Rating Reaffirmed for Citizens Financial with Increased Target Price Amid Positive Financial OutlookApril 18, 2024 | markets.businessinsider.comCitizens Financial (CFG) Receives a Hold from KBWApril 18, 2024 | insidermonkey.comCitizens Financial Group, Inc. (NYSE:CFG) Q1 2024 Earnings Call TranscriptApril 18, 2024 | benzinga.comCitizens Financial Group Stock: A Deep Dive Into Analyst Perspectives (6 Ratings)April 17, 2024 | benzinga.comCitizens Financial Broadly Affirms FY24 Forecast Post Mixed Q1 Results: DetailsMarch 29, 2024 | yahoo.comWhat is Citizens Bank Park's bag policy? Bag rules for 2024 season, explainedMarch 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 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 whyDecember 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 planSee 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 3/29 Dividend3/14/2024Dividend Payable3/29/2024Last Earnings4/25/2024Ex-Dividend for 6/28 Dividend6/14/2024Today6/15/2024Dividend Payable6/28/2024Next Earnings (Estimated)7/29/2024Fiscal 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) 662-2121Fax570-662-2365Employees394Year FoundedN/APrice Target and Rating Average Stock Price Target$53.00 High Stock Price Target$53.00 Low Stock Price Target$53.00 Potential Upside/Downside+25.1%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$3.69 Trailing P/E Ratio11.48 Forward P/E Ratio7.70 P/E GrowthN/ANet Income$17.81 million Net Margins11.63% Pretax Margin13.94% Return on Equity10.43% Return on Assets0.97% Debt Debt-to-Equity Ratio1.00 Current Ratio0.98 Quick Ratio0.98 Sales & Book Value Annual Sales$138.72 million Price / Sales1.44 Cash Flow$5.24 per share Price / Cash Flow8.09 Book Value$59.43 per share Price / Book0.71Miscellaneous Outstanding Shares4,710,000Free Float4,410,000Market Cap$199.52 million OptionableNot Optionable Beta0.44 Ten Starter Stocks For Beginners to Buy NowJust getting into the stock market? These 10 simple stocks can help beginning investors build long-term wealth without knowing options, technicals, or other advanced strategies.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 CompetitorsTimberland BancorpNASDAQ:TSBKChoiceOne Financial ServicesNASDAQ:COFSColony BankcorpNASDAQ:CBANPonce Financial GroupNASDAQ:PDLBMutualFirst FinancialNASDAQ:MFSFView All CompetitorsInsiders & InstitutionsVanguard Group Inc.Bought 10,058 shares on 5/10/2024Ownership: 4.871%Stephen J GuillaumeBought 300 shares on 4/30/2024Total: $12,000.00 ($40.00/share)Randall E BlackBought 400 shares on 2/20/2024Total: $19,200.00 ($48.00/share)R Joseph LandyBought 768 shares on 10/27/2023Total: $36,472.32 ($47.49/share)Stephen J GuillaumeBought 500 shares on 10/25/2023Total: $22,125.00 ($44.25/share)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 analysts have issued "buy," "hold," and "sell" ratings for Citizens Financial Services in the last twelve months. There are currently 1 buy rating for the stock. The consensus among Wall Street analysts is that investors should "buy" CZFS shares. View CZFS analyst ratings or view top-rated stocks. What is Citizens Financial Services' stock price target for 2024? 1 brokers have issued 1-year price targets for Citizens Financial Services' shares. Their CZFS share price targets range from $53.00 to $53.00. On average, they expect the company's share price to reach $53.00 in the next year. This suggests a possible upside of 25.1% from the stock's current price. View analysts price targets for CZFS or view top-rated stocks among Wall Street analysts. How have CZFS shares performed in 2024? Citizens Financial Services' stock was trading at $64.72 at the beginning of the year. Since then, CZFS shares have decreased by 34.5% and is now trading at $42.36. View the best growth stocks for 2024 here. Are investors shorting Citizens Financial Services? Citizens Financial Services saw a decline in short interest during the month of May. As of May 31st, there was short interest totaling 18,000 shares, a decline of 23.4% from the May 15th total of 23,500 shares. Based on an average daily volume of 7,000 shares, the days-to-cover ratio is presently 2.6 days. Approximately 0.4% of the shares of the company are sold short. 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 Monday, July 29th 2024. View our CZFS earnings forecast. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) posted its quarterly earnings results on Thursday, April, 25th. The company reported $1.49 earnings per share for the quarter, missing analysts' consensus estimates of $1.55 by $0.06. The business had revenue of $25.93 million for the quarter, compared to analysts' expectations of $25.90 million. Citizens Financial Services had a net margin of 11.63% and a trailing twelve-month return on equity of 10.43%. 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, June 4th. Investors of record on Friday, June 14th will be given a dividend of $0.49 per share on Friday, June 28th. This represents a $1.96 annualized dividend and a dividend yield of 4.63%. The ex-dividend date is Friday, June 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 4.54%. CZFS has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The dividend payout ratio is 53.12%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZFS will have a dividend payout ratio of 30.15% 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 many different retail and institutional investors. Top institutional investors include Vanguard Group Inc. (4.87%). 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. 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