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DOW   31,496.30
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S&P 500   3,841.94
DOW   31,496.30
QQQ   308.68
S&P 500   3,841.94
DOW   31,496.30
QQQ   308.68
S&P 500   3,841.94
DOW   31,496.30
QQQ   308.68
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Citizens Financial Services Stock Forecast, Price & News

+0.26 (+0.46 %)
(As of 03/5/2021 12:00 AM ET)
Today's Range
Now: $57.00
50-Day Range
MA: $56.25
52-Week Range
Now: $57.00
Volume300 shs
Average Volume3,003 shs
Market Capitalization$223.55 million
P/E Ratio9.31
Dividend Yield3.24%
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.

Industry, Sector and Symbol

Industry State commercial banks
Current SymbolOTCMKTS:CZFS
Year FoundedN/A



Sales & Book Value

Annual Sales$70.37 million
Cash Flow$5.75 per share
Book Value$43.47 per share


Net Income$19.49 million


Market Cap$223.55 million
Next Earnings Date3/11/2021 (Estimated)
OptionableNot Optionable


Overall MarketRank

1.89 out of 5 stars

Finance Sector

293rd out of 1,940 stocks

State Commercial Banks Industry

54th out of 310 stocks

Analyst Opinion: 2.5Community Rank: 3.2Dividend Strength: 2.5Insider Behavior: 0.0Valuation: 1.3 5 -4 -3 -2 -1 -
+0.26 (+0.46 %)
(As of 03/5/2021 12:00 AM ET)
30 days | 90 days | 365 days | Advanced Chart

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Citizens Financial Services (OTCMKTS:CZFS) Frequently Asked Questions

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 year. 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 top-rated stocks.

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, March 11th 2021.
View our earnings forecast for Citizens Financial Services

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 increased by 1.7% and is now trading at $57.00.
View which stocks have been most impacted by COVID-19

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 3.24%. 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 brokers have issued 1 year target prices for Citizens Financial Services' stock. Their forecasts range from $63.00 to $63.00. On average, they anticipate Citizens Financial Services' share price to reach $63.00 in the next twelve months. This suggests a possible upside of 10.5% from the stock's current price.
View analysts' price targets for Citizens Financial Services
or view top-rated stocks among Wall Street analysts.

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. Anthony Manerchia, Sr. VP & Chief Banking Officer
  • Mr. Jeffrey L. Wilson, Exec. VP & Chief Lending Officer of First Citizens Community Bank (Age 59)

Who are some of Citizens Financial Services' key competitors?

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.
Compare Top Brokerages Here.

What is Citizens Financial Services' stock price today?

One share of CZFS stock can currently be purchased for approximately $57.00.

How much money does Citizens Financial Services make?

Citizens Financial Services has a market capitalization of $223.55 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.

How many employees does Citizens Financial Services have?

Citizens Financial Services employs 294 workers across the globe.

What is Citizens Financial Services' official website?

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

Where are Citizens Financial Services' headquarters?

Citizens Financial Services is headquartered at 15 S MAIN ST, MANSFIELD PA, 16933.

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 3/7/2021 by MarketBeat.com Staff

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