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Citizens Financial Services, Inc. CZFS R2K

Financial Services · Banks - Regional · United States
https://www.firstcitizensbank.com
Company Profile ↓
$71.32
+19.22% 1Y
Mkt Cap$342.69M
P/E8.71
P/B0.97
Div. Yield2.93%
52W High$74.13
52W Low$50.78
Book Value$71.50
EPS (TTM)$8.19

Company Overview

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including 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 founded in 1984 and is headquartered in Mansfield, Pennsylvania.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 8.7, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 34.7%.

Dividend Income

Offers a dividend yield of 2.93%.

Recent Developments

  • Dec 2025 Revenue of $9.88M (+2.8% YoY); net profit $36.57M.
  • Trailing 12 Months Year-on-year growth — revenue +13.6%, earnings +36.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 6.1%, profit CAGR 8.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:6.14%
1 Year:13.60%

Compounded Profit Growth

5 Years:8.53%
1 Year:36.00%

Stock Price Performance

1 Year:+19.22%
6 Months:+20.92%
3 Months:+5.55%
1 Month:+6.12%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$50.78 $74.13
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.45 · Neutral
Price Performance
1M+6.12%
3M+5.55%
6M+20.92%
1Y+19.22%
Valuation vs Sector

P/E of 8.71 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.7%.
  • Attractive dividend yield of 2.93%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
8.71
Industry PE
13.30
Forward P/E
8.58
PEG Ratio
-
Book Value
$71.50
Price to Book
0.97
P/S
2.95
EV/EBITDA
-
Dividend Yield
2.93%

Growth (CAGR)

Revenue 5Y
6.14%
Profit 5Y
8.53%
Revenue (YoY)
13.60%
Earnings (YoY)
36.00%

Profitability & Returns

ROCE
-
ROE
12.07%
ROA
1.30%
Profit Margin
34.66%
Op Margin
45.73%
Gross Margin
0.00%
EPS (Latest Qtr)
$2.16
EPS (TTM)
$8.19

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$202.92M
Total Assets
$3.03B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.34%
Chg in Prom Hold
0.01%
FII / Inst Holding
29.92%
Chg in FII Hold
0.09%

Financial Snapshot

Enterprise Value
$342.69M
Total Revenue (TTM)
$113.47M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$43.61M
Shares Outstanding
4.80M
Gross Margin
0.00%
Payout Ratio
24.36%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CZFS Citizens Financial Services, Inc. R2K 71.32 8.71 $342.69M 2.93% - 12.07% 6.14% 8.53%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue -----------1.62M1.57M1.63M-1.74M1.72M1.74M-1.73M1.45M1.76M-1.90M1.87M1.94M-2.12M2.13M2.27M2.07M2.03M2.60M2.41M2.39M2.51M2.44M2.37M2.77M2.34M
Net Income 3.19M2.86M2.46M3.28M3.03M3.15M3.17M3.30M3.47M3.65M2.60M4.25M4.69M4.58M4.51M4.41M4.85M5.20M5.04M4.53M5.34M8.01M7.23M8.46M6.65M7.06M6.94M6.74M6.90M7.54M6.87M-4.14M7.55M7.02M5.28M7.54M7.62M8.46M10.01M10.38M
Diluted EPS 1.040.940.790.930.860.900.910.930.991.040.741.191.321.301.281.241.361.461.421.261.372.021.832.141.671.771.761.691.721.881.71-1.001.591.481.101.571.591.762.092.16

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------6.51M6.93M6.66M7.74M8.59M8.97M9.61M9.88M
Net Income 9.86M11.50M12.83M14.21M13.38M13.38M11.63M12.64M13.03M18.03M19.49M25.10M29.12M29.06M17.81M27.82M36.57M
Diluted EPS -3.904.164.604.384.363.603.573.675.045.416.467.247.173.985.797.62

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --812.53M878.57M882.43M914.93M925.05M1.16B1.22B1.36B1.43B1.47B1.89B2.14B2.33B2.98B3.03B3.06B
Total Equity 52.77M61.53M68.69M81.47M89.47M92.06M100.53M119.76M123.27M129.01M139.23M154.77M194.26M212.49M200.15M279.67M299.73M338.05M
Cash & Equivalents 19.86M31.45M43.99M30.43M26.33M10.08M11.42M24.38M17.75M18.52M16.80M18.52M68.71M172.83M26.21M52.82M42.20M34.29M
Total Liabilities --743.84M797.10M792.95M822.88M824.52M1.04B1.10B1.23B1.29B1.31B1.70B1.93B2.13B2.70B2.73B2.73B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 9.93M12.82M15.56M14.81M17.82M-12.81M16.19M15.74M21.49M21.77M11.82M38.69M33.24M26.54M33.18M36.53M
Investing Cash Flow -46.89M-73.75M-76.14M-8.17M-60.94M-19.06M-70.08M-105.42M-72.35M-32.32M-110.73M-158.23M-362.45M59.47M-69.07M-40.08M
Financing Cash Flow 48.55M73.48M47.01M-10.74M26.87M--18.91M47.25M90.45M49.15M12.28M149.10M223.66M182.59M-59.40M25.27M-4.37M
Share Buybacks 286.00K386.00K851.00K1.35M1.48M814.00K2.46M3.23M979.00K1.18M1.29M2.12M1.37M1.28M265.00K202.00K358.00K

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------276.9%281.4%376.9%376.3%338.4%198.5%289.5%370.1%
ROE % 16.0%16.7%15.8%15.9%14.5%13.3%9.7%10.3%10.1%13.0%12.6%12.9%13.7%14.5%6.4%9.3%10.8%
ROCE % -----------------

Shareholding Pattern

Insiders
6.34%
Institutions
29.92%
Public Float
31.95%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.43% 331.29K $23.80M
2 Vanguard Capital Management LLC 5.13% 201.70K $14.49M
3 Citizens & Northern Corp 2.98% 117.06K $8.41M
4 Geode Capital Management, LLC 2.86% 112.46K $8.08M
5 State Street Corporation 2.39% 93.93K $6.75M
6 American Century Companies Inc 1.12% 44.19K $3.17M
7 Hudock, Inc. 1.04% 40.79K $2.93M
8 Charles Schwab Investment Management, Inc. 0.96% 37.62K $2.70M
9 Northern Trust Corporation 0.94% 37.09K $2.66M
10 Vanguard Fiduciary Trust Co 0.78% 30.55K $2.19M

Analyst View

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Latest News

Recent headlines for CZFS

Google News hu, 09 Jul 2026

Citizens Financial (CZFS) director reports bona fide gift of 20 shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwwFBVV95cUxOaGdOR1g1ekxoUnhzMmtfaGlNYlJNa2hTYUQ0YXlPc1BJems0aTllUzNFNVNRU3F5Yk1Xd3d0b3lvdXdpSU0xN3M2RnRHOVpCS1BzcWJVZ0xITV9SYU5kcGd5dzZHNlpLS2s2R0dnRi03dHAzU0loTmo3ZU4zVXhOU19KYS1rak9RcHFkOF…

Google News Mon, 29 Jun 2026

Citizens Financial Services Inc. (CZFS) Hit a 52 Week High, Can the Run Continue? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxQVGJlOGRSYURKd1lscVZFaUdGcEpQY3VIMDQ5NUJRNGJzcE5zODFDTnU4NjViOGZHV3VyNnlpSndQRUg4LXBzYWNnb3JabF95bnEwcWZRSGVUWDRSdmR1TkQ0RVNRUm9pRVlUYURIajNYdTdlbjM0MEtlWEIyejMzZ3NZRlltSFplZldyUW…

Google News Mon, 22 Jun 2026

Citizens Financial Services' Progress Is Impressive (NASDAQ:CZFS) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxNYUhCQUNGN1NuX205M0NCb09kN2x2Q1BwZTdodEdnVFJKLWlCang0Z1Q2TXVFSVZNS0x6TmlMS09RVmRISmQtQjlxTlpNWUJxSndXSWJibFFqTkFkWklfZVlIaG50Zlh0SzcxV2lRejIta3N1XzZpenozSFd6MHg3dDVOX1l1MmtTTGg1ZD…

Google News hu, 09 Jul 2026

CITIZENS FINANCIAL (CZFS) EVP reports open-market sale of 15 shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwwFBVV95cUxNT1R5Rm9OVFM5S3JOY09kRHdyZ0lDTUNKX014S1pQMWV2UDRiWk96cE9qNTZKX3I1dlBlWjBJQTVuMG04QXpZZzctbGxJdmQ2R2ZqRVpLZ2ZKN05sMHE0aWZQRmpTdU5HdWdva2pXWXNlemFvMmZYMXFicHdoS29GN1J6T3JERTdEdWtxTF…

Google News Mon, 06 Jul 2026

How Citizens Financial Services Inc. (CZFS) Affects Rotational Strategy Timing - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMi6wFBVV95cUxOeGJhSlNveWVmMTNNUGpYUU5sOTlDZlY2YTJzSDVLOXVjb3ZQaUI4NVFqZU1TeXVEWFdfSW1abkdVVWpnaWxmYVRvbllPX3E5dnFYV2h5NW0tbVlGR3RWN1BsY1hQOHNBNWhNRWpwZGVEU0dYckRfMnRlVWYtSEVfZ1JGOUhrSGNjby1tN1…

Google News Fri, 26 Jun 2026

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxQdFNrYVItYVZ3cHhCdVNtUG5VcFA5bU16WVItc1NjT0R6NER4bmpidEJIT296U3FacEFfOTlDZ2NfajhndGV0Nl9rRWl3TXFMakFQc0pwODlxYndVZE04TkRYSmtGUlNZS3EwWUxtT1FUbXNBWVBIeGFSejNyS2dzWmxMTzI5aGtZNnU0Wn…

CZFS — Frequently Asked Questions

What is the current share price of Citizens Financial Services, Inc. (CZFS)?

As of 2026-07-14 21:23 PDT, Citizens Financial Services, Inc. (CZFS) trades at $71.32 on NasdaqCM. Its 52-week range is $50.78 to $74.13.

What is the market capitalisation of CZFS?

Citizens Financial Services, Inc. (CZFS) has a market capitalisation of $342.69M on NasdaqCM.

What is the P/E ratio of CZFS?

CZFS trades at a trailing price-to-earnings (P/E) ratio of 8.71. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.97.

Does CZFS pay a dividend?

Citizens Financial Services, Inc. (CZFS) currently offers a dividend yield of 2.93%.

What is the return on equity (ROE) of CZFS?

CZFS has a return on equity (ROE) of 12.07%.

Is CZFS a good stock to buy?

This page provides a data-driven analysis of Citizens Financial Services, Inc. (CZFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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