Citizens Financial Services Inc's fundamentals are relatively stable, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 182 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as , with the highest price target at 64.36.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.
Citizens Financial Services Inc's Score
Industry at a Glance
Industry Ranking
182 / 397
Overall Ranking
288 / 4521
Industry
Banking Services
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Media Coverage
Last 24 hours
Coverage Level
Very Low
Very High
Negative
Citizens Financial Services Inc Highlights
StrengthsRisks
Citizens Financial Services, Inc. is the holding company for First Citizens Community Bank (the Bank). The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. It is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.
High Growth
The company's revenue has grown steadily over the past 3 years, averaging 21.60% year-on-year.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 110.78M.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 33.44%.
Stable Dividend
The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 33.44%.
Fairly Valued
The company’s latest PB is 0.93, at a medium 3-year percentile range.
Institutional Selling
The latest institutional holdings are 1.36M shares, decreasing 0.04% quarter-over-quarter.
Citizens Financial Services, Inc. is the holding company for First Citizens Community Bank (the Bank). The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. It is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.