OTCMKTS:CZFS

Citizens Financial Services Stock Forecast, Price & News

$56.05

-0.95 (-1.67 %)

(As of 01/27/2021 12:00 AM ET)

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Today's Range

$56.00

Now: $56.05▼

$57.50

50-Day Range

$47.75

MA: $53.10▼

$58.00

52-Week Range

$35.64

Now: $56.05▼

$69.30

Volume2,201 shs

Average Volume2,183 shs

Market Capitalization$219.83 million

P/E Ratio9.15

Dividend Yield3.23%

Beta0.53

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 offers assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. The company operates 30 offices in Tioga, Bradford, Potter, Clinton, Centre, Union, Lebanon, Lancaster, Schuylkill, and Berks Counties, Pennsylvania; Allegany County, New York; and New Castle and Kent Counties, Delaware. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

Overall MarketRank^™

1.89 out of 5 stars

Finance Sector

355th out of 1,937 stocks

State Commercial Banks Industry

84th out of 310 stocks

2.5 Analyst's Opinion

Consensus Rating
Citizens Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.
Price Target Upside/Downside
According to analysts' consensus price target of $63.00, Citizens Financial Services has a forecasted upside of 12.4% from its current price of $56.05.
Amount of Analyst Coverage
Citizens Financial Services has only been the subject of 1 research reports in the past 90 days.

3.2 Community Rank

Outperform Votes
Citizens Financial Services has received 16 “outperform” votes. (Add your “outperform” vote.)
Underperform Votes
Citizens Financial Services has received 9 “underperform” votes. (Add your “underperform” vote.)
Community Sentiment
Citizens Financial Services has received 64.00% “outperform” votes from our community.

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.

2.5 Dividend Strength

Dividend Yield
Citizens Financial Services pays a meaningful dividend of 3.23%, 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 33.58%. 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 28.79% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

0.0 Company Ownership

Insider Buying vs. Insider Selling
In the past three months, Citizens Financial Services insiders have not sold or bought any company stock.
Percentage Held by Insiders
Only 12.30% of the stock of Citizens Financial Services is held by insiders.
Percentage Held by Institutions
Only 0.72% of the stock of Citizens Financial Services is held by institutions.

1.3 Earnings and Valuation

Earnings Growth
Earnings for Citizens Financial Services are expected to decrease by -2.89% in the coming year, from $6.58 to $6.39 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of Citizens Financial Services is 9.15, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.67.
Price to Earnings Ratio vs. Sector
The P/E ratio of Citizens Financial Services is 9.15, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.51.
Price to Book Value per Share Ratio
Citizens Financial Services has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

See Top Rated MarketRank™ Stocks Here

Industry, Sector and Symbol

Stock Exchange OTCMKTS

Industry State commercial banks

Sub-IndustryN/A

SectorFinance

Current SymbolOTCMKTS:CZFS

Previous Symbol

CUSIPN/A

CIKN/A

Webwww.firstcitizensbank.com

Phone570-662-2121

Employees289

Year FoundedN/A

Debt

Debt-to-Equity Ratio0.53

Current Ratio0.94

Quick Ratio0.93

Price-To-Earnings

Trailing P/E Ratio9.15

Forward P/E Ratio8.52

P/E GrowthN/A

Sales & Book Value

Annual Sales$70.37 million

Price / Sales3.12

Cash Flow$5.65 per share

Price / Cash Flow9.92

Book Value$43.47 per share

Price / Book1.29

Profitability

EPS (Most Recent Fiscal Year)$5.48

Net Income$19.49 million

Net Margins29.73%

Return on Equity13.35%

Return on Assets1.39%

Miscellaneous

Outstanding Shares3,922,000

Market Cap$219.83 million

Next Earnings Date1/28/2021 (Estimated)

OptionableNot Optionable

$56.05

-0.95 (-1.67 %)

(As of 01/27/2021 12:00 AM ET)

30 days | 90 days | 365 days | Advanced Chart

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Citizens Financial Services (OTCMKTS:CZFS) Frequently Asked Questions

How has Citizens Financial Services' stock been impacted by COVID-19 (Coronavirus)?

Citizens Financial Services' stock was trading at $56.07 on March 11th, 2020 when COVID-19 (Coronavirus) reached pandemic status according to the World Health Organization (WHO). Since then, CZFS shares have decreased by 0.0% and is now trading at $56.05.
View which stocks have been most impacted by COVID-19.

Is Citizens Financial Services a buy right now?

2 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for Citizens Financial Services in the last twelve months. There are currently 2 buy ratings for the stock. The consensus among Wall Street research analysts is that investors should "buy" Citizens Financial Services stock.
View analyst ratings for Citizens Financial Services or view MarketBeat's top 5 stock picks.

What stocks does MarketBeat like better than Citizens Financial Services?

Wall Street analysts have given Citizens Financial Services a "Buy" rating, but there may be better short-term opportunities in the market. Some of MarketBeat's past winning trading ideas have resulted in 5-15% weekly gains. MarketBeat just released five new trading ideas, but Citizens Financial Services wasn't one of them. MarketBeat thinks these five stocks may be even better buys.
View MarketBeat's top stock picks here.

When is Citizens Financial Services' next earnings date?

Citizens Financial Services is scheduled to release its next quarterly earnings announcement on Thursday, January 28th 2021.
View our earnings forecast for Citizens Financial Services.

Is Citizens Financial Services a good dividend stock?

Citizens Financial Services pays an annual dividend of $1.84 per share and currently has a dividend yield of 3.23%. The dividend payout ratio of Citizens Financial Services is 33.58%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, Citizens Financial Services will have a dividend payout ratio of 28.79% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.
View Citizens Financial Services' dividend history.

What price target have analysts set for CZFS?

2 brokerages have issued 1-year target prices for Citizens Financial Services' shares. Their forecasts range from $63.00 to $63.00. On average, they anticipate Citizens Financial Services' stock price to reach $63.00 in the next year. This suggests a possible upside of 12.4% from the stock's current price.
View analysts' price targets for Citizens Financial Services or view Wall Street analyst' top-rated stocks.

Who are some of Citizens Financial Services' key competitors?

Some companies that are related to Citizens Financial Services include Merchants Bancorp (MBIN), OFG Bancorp (OFG), ConnectOne Bancorp (CNOB), HomeStreet (HMST), Republic Bancorp (RBCAA), Washington Trust Bancorp (WASH), Preferred Bank (PFBC), Allegiance Bancshares (ABTX), Horizon Bancorp (HBNC), Origin Bancorp (OBNK), First National Bank Alaska (FBAK), Customers Bancorp (CUBI), Great Southern Bancorp (GSBC), Community Trust Bancorp (CTBI) and Lakeland Bancorp (LBAI).
View all of CZFS's competitors.

Who are Citizens Financial Services' key executives?

Citizens Financial Services' management team includes the following people:

Mr. Randall E. Black, CEO, Pres & Director (Age 54, Pay $530.34k)
Mr. Stephen J. Guillaume, Sr. VP & CFO (Age 45, Pay $125.56k)
Mr. Mickey L. Jones CPA, CPA, Exec. VP, COO, Treasurer, Assistant Sec. & Director (Age 60, Pay $320.42k)
Ms. Kathleen M. Campbell CFMP, Sr. VP, CFMP & Director of Marketing of First Citizens National Bank (Age 60)
Ms. Cynthia T. Pazzaglia, Sr. VP of HR (Age 62)
Mr. Robert B. Mosso J.D., MBA, Sr. VP & Wealth Management Division Mang. of First Citizens Community Bank (Age 50)
Marina Smalanaskas, Sr. VP & Southcentral Market Exec. (Age 49)
McKinney Sean, Sr. VP & Sr. Lender
Mr. Jeffrey L. Wilson, Exec. VP & Chief Lending Officer of First Citizens Community Bank (Age 59)
Mr. Jeffrey B. Carr, Sr. VP & Chief Retail Banking Officer of First Citizens Community Bank (Age 51)

What is Citizens Financial Services' stock symbol?

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

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 WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.

What is Citizens Financial Services' stock price today?

One share of CZFS stock can currently be purchased for approximately $56.05.

How big of a company is Citizens Financial Services?

Citizens Financial Services has a market capitalization of $219.83 million and generates $70.37 million in revenue each year. The company earns $19.49 million in net income (profit) each year or $5.48 on an earnings per share basis. Citizens Financial Services employs 289 workers across the globe.

What is Citizens Financial Services' official website?

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

How can I contact Citizens Financial Services?

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

This page was last updated on 1/28/2021 by MarketBeat.com Staff

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