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 hold rating for the stock. The consensus among Wall Street 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 at the beginning of the year. Since then, CZFS stock has decreased by 32.0% and is now trading at $44.00. View the best growth stocks for 2024 here .

Are investors shorting Citizens Financial Services?

Citizens Financial Services saw a drop in short interest during the month of March. As of March 31st, there was short interest totaling 25,000 shares, a drop of 23.5% from the March 15th total of 32,700 shares. Based on an average daily volume of 6,100 shares, the short-interest ratio is presently 4.1 days. Currently, 0.6% of the shares of the 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) announced its quarterly earnings data on Tuesday, January, 30th. The company reported $1.60 EPS for the quarter, missing the consensus estimate of $1.62 by $0.02. The company earned $25.34 million during the quarter, compared to the consensus estimate 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 declared a quarterly dividend on Tuesday, March 5th. Investors of record on Friday, March 15th will be paid a dividend of $0.49 per share on Friday, March 29th. This represents a $1.96 annualized dividend and a dividend yield of 4.45%. The ex-dividend date 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 4.40%. 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 .

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 .

NASDAQ:CZFS

Citizens Financial Services (CZFS) Stock Price, News & Analysis

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$44.00

-0.17 (-0.38%)

(As of 04/17/2024 ET)

Compare

Today's Range: $43.60
▼
$44.00
50-Day Range: $40.77
▼
$52.01
52-Week Range: $40.71
▼
$92.00

Volume: 2,479 shs
Average Volume: 6,197 shs
Market Capitalization: $207.24 million

P/E Ratio: 11.24
Dividend Yield: 4.45%
Price Target: N/A

Get Citizens Financial Services alerts:

Citizens Financial Services MarketRank™ Stock Analysis

Analyst Rating: N/A
Upside/Downside: N/A
Short Interest: Healthy
0.57% of Float Sold Short
Dividend Strength: Strong
Based on Four Factors
Sustainability: N/A
News Sentiment: N/A
Insider Trading: Acquiring Shares
$19,200 Bought Last Quarter
Proj. Earnings Growth: 6.77%
From $6.65 to $7.10 Per Share

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.

3.38 out of 5 stars

Finance Sector

389th out of 819 stocks

State Commercial Banks Industry

95th out of 171 stocks

N/A

Analyst's Opinion

Consensus Rating
There is not enough analysis data for Citizens Financial Services.

4.0

Short Interest

Percentage of Shares Shorted
0.57% of the float of Citizens Financial Services has been sold short.
Short Interest Ratio / Days to Cover
Citizens Financial Services has a short interest ratio ("days to cover") of 4.1.
Change versus previous month
Short interest in Citizens Financial Services has recently decreased by 23.55%, indicating that investor sentiment is improving significantly.

3.3

Dividend Strength

Dividend Leadership
Citizens Financial Services is a leading dividend payer. It pays a dividend yield of 4.40%, putting its dividend yield in the top 25% of dividend-paying stocks.
Dividend Growth
Citizens Financial Services has only been increasing its dividend for 3 years.
Dividend Coverage
The dividend payout ratio of Citizens Financial Services is 50.09%. 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 27.61% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

N/A

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
There is no current Upright™ data available for CZFS.

1.9

News and Social Media Coverage

News Sentiment
Citizens Financial Services has a news sentiment score of 0.42. 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 0.53 average news sentiment score of Finance companies.
News Coverage This Week
MarketBeat has tracked 1 news article for Citizens Financial Services this week, compared to 0 articles on an average week.

1.7

Company Ownership

Insider Buying vs. Insider Selling
In 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 Insiders
Only 5.90% of the stock of Citizens Financial Services is held by insiders.
Percentage Held by Institutions
Only 22.49% of the stock of Citizens Financial Services is held by institutions.

2.5

Earnings and Valuation

Earnings Growth
Earnings 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 Market
The P/E ratio of Citizens Financial Services is 11.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 147.02.
Price to Earnings Ratio vs. Sector
The P/E ratio of Citizens Financial Services is 11.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 62.81.
Price to Book Value per Share Ratio
Citizens Financial Services has a P/B Ratio of 0.74. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

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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.

CZFS Stock Price History

30 days | 90 days | 365 days | Advanced Chart

CZFS Stock News Headlines

April 17, 2024 | benzinga.com

Citizens Financial Broadly Affirms FY24 Forecast Post Mixed Q1 Results: Details

March 29, 2024 | yahoo.com

What is Citizens Bank Park's bag policy? Bag rules for 2024 season, explained

April 18, 2024 | Paradigm Press (Ad)

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Recently, Bitcoin smashed through its previous record high to hit $72,720. It’s made many, many people very rich. But one cryptocurrency expert and investing millionaire is declaring…

March 14, 2024 | news.yahoo.com

Constitution defines citizens' rights in other states and 'republican' form of government

March 6, 2024 | newsweek.com

Citizens Bank Savings Account Interest Rates: March 2024

March 6, 2024 | cnn.com

Citizens Financial Services, Inc.

February 24, 2024 | msn.com

Citizens Community Bancorp (CZWI) Price Target Increased by 14.58% to 14.03

February 3, 2024 | msn.com

Applications open for the 2024 City of Wichita Falls Citizens Academy

April 18, 2024 | Paradigm Press (Ad)

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Recently, Bitcoin smashed through its previous record high to hit $72,720. It’s made many, many people very rich. But one cryptocurrency expert and investing millionaire is declaring…

January 23, 2024 | investing.com

Citizens Financial Group Inc (CFG)

January 18, 2024 | realmoney.thestreet.com

Citizens Financial price target raised by $2 at BofA, here's why

December 13, 2023 | msn.com

Citizens Financial Services goes ex-dividend tomorrow

December 9, 2023 | finance.yahoo.com

Is It Smart To Buy Citizens Financial Services, Inc. (NASDAQ:CZFS) Before It Goes Ex-Dividend?

December 7, 2023 | msn.com

Citizens Financial (CFG) Eyes to Enhance Private Credit

October 30, 2023 | bizjournals.com

TruMark acquires 8-person commercial lending team led by Daniel Krewson

October 23, 2023 | markets.businessinsider.com

Citizens Financial Services Q3 EPS Declines

September 11, 2023 | msn.com

Citizens Financial to reduce FHLB funding, discusses balance sheet plan

September 11, 2023 | benzinga.com

Citizens Financial Servs's Ex-Dividend Date Is Thursday, Here's What You Need To Know

September 9, 2023 | finance.yahoo.com

Citizens Financial Services (NASDAQ:CZFS) Could Be A Buy For Its Upcoming Dividend

August 29, 2023 | finance.yahoo.com

Shareholders in Citizens Financial Services (NASDAQ:CZFS) are in the red if they invested a year ago

August 21, 2023 | bizjournals.com

Bob Marino to depart Citizens Financial Services two months after HV Bancorp acquisition

August 21, 2023 | msn.com

Citizens Financial: Attractively Valued And Offering A Solid 6% Yield

July 21, 2023 | reuters.com

Factbox: U.S. banks increase reserves for commercial real estate exposure

June 20, 2023 | bizjournals.com

$67M sale of Doylestown's HV Bancorp closes

June 13, 2023 | finance.yahoo.com

Citizens Financial Services, Inc. Announces Preliminary Results of Merger Consideration Elections Regarding Pending HV Bancorp, Inc. Merger

June 9, 2023 | finance.yahoo.com

Exchange Ratio Finalized for Citizens Financial Services, Inc. Pending HV Bancorp, Inc. Merger

May 31, 2023 | benzinga.com

Citizens, Inc. and Allegiant Forge Strategic Partnership to Deliver White-Label Products to the Fast-Growing Final Expense Agency Market

See More Headlines

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Company Calendar

Last Earnings: 1/30/2024
Ex-Dividend for 3/29 Dividend: 3/14/2024
Dividend Payable: 3/29/2024
Today: 4/17/2024
Next Earnings (Estimated): 4/25/2024
Fiscal Year End: 12/31/2024

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Industry, Sector and Symbol

Stock Exchange: NASDAQ
Sector: Finance
Industry: State commercial banks
Sub-Industry: N/A
Current Symbol: NASDAQ:CZFS
CUSIP: N/A
CIK: 739421
Web: www.firstcitizensbank.com
Phone: (570) 662-2121
Fax: 570-662-2365
Employees: 395
Year Founded: N/A

Profitability

EPS (Most Recent Fiscal Year): $3.9129
Trailing P/E Ratio: 11.24
Forward P/E Ratio: 6.62
P/E Growth: N/A
Net Income: $17.81 million
Net Margins: 12.83%
Pretax Margin: 15.51%
Return on Equity: 11.08%
Return on Assets: 1.01%

Debt

Debt-to-Equity Ratio: 1.15
Current Ratio: 0.99
Quick Ratio: 0.99

Sales & Book Value

Annual Sales: $138.72 million
Price / Sales: 1.49
Cash Flow: $5.27 per share
Price / Cash Flow: 8.35
Book Value: $59.43 per share
Price / Book: 0.74

Miscellaneous

Outstanding Shares: 4,710,000
Free Float: 4,429,000
Market Cap: $207.24 million
Optionable: Not Optionable
Beta: 0.34

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Key Executives

Mr. Randall E. Black (Age 57)
Vice Chairman, President & CEO
Comp: $665.33k
Mr. Mickey L. Jones CPA (Age 63)
Executive VP, COO, Treasurer, Assistant Secretary & Director
Comp: $402.78k
Mr. Stephen J. Guillaume (Age 47)
Executive VP & CFO
Comp: $174.22k
Ms. Kathleen M. Campbell CFMP (Age 63)
Senior VP, CFMP & Director of Marketing of First Citizens National Bank
Comp: $109.5k
Ms. Cynthia T. Pazzaglia (Age 65)
Senior Vice President of Human Resources
Marina Smalanaskas (Age 52)
Senior VP & Southcentral Market Executive
Mr. Anthony Manerchia
Senior VP & Chief Banking Officer
Ms. Gina Marie Boor
Corporate Secretary
Mr. Jeffrey L. Wilson (Age 62)
Executive VP & Chief Lending Officer of First Citizens Community Bank
Comp: $213.98k
Mr. Jeffrey B. Carr (Age 54)
Senior VP & Chief Retail Banking Officer of First Citizens Community Bank
Comp: $153.64k

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View 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 hold rating for the stock. The consensus among Wall Street 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 at the beginning of the year. Since then, CZFS stock has decreased by 32.0% and is now trading at $44.00.
View the best growth stocks for 2024 here.
Are investors shorting Citizens Financial Services?: Citizens Financial Services saw a drop in short interest during the month of March. As of March 31st, there was short interest totaling 25,000 shares, a drop of 23.5% from the March 15th total of 32,700 shares. Based on an average daily volume of 6,100 shares, the short-interest ratio is presently 4.1 days. Currently, 0.6% of the shares of the 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) announced its quarterly earnings data on Tuesday, January, 30th. The company reported $1.60 EPS for the quarter, missing the consensus estimate of $1.62 by $0.02. The company earned $25.34 million during the quarter, compared to the consensus estimate 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 declared a quarterly dividend on Tuesday, March 5th. Investors of record on Friday, March 15th will be paid a dividend of $0.49 per share on Friday, March 29th. This represents a $1.96 annualized dividend and a dividend yield of 4.45%. The ex-dividend date 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 4.40%. 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.
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 4/18/2024 by MarketBeat.com Staff

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