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Citizens Financial Services Inc

CZFS

56.855USD

-0.765-1.33%

Market hours （ET）Quotes delayed by 15 min

273.27MMarket Cap

8.02P/E TTM



Citizens Financial Services Inc

56.855

-0.765-1.33%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Citizens Financial Services Inc

Currency: USD Updated: 2025-11-11

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Strong Buy. Despite a good stock market performance and strong technicals, the fundamentals don't support the current trend. 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

144 / 407

Overall Ranking

225 / 4608

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 1 analysts

Strong Buy

Current Rating

64.356

Target Price

+12.37%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Citizens Financial Services Inc Highlights

StrengthsRisks

Citizens Financial Services, Inc. is a bank 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 Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services. The Bank operates 39 full-service offices, one limited branch office, and four mortgage centers in its market areas. It is engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank and the Banks 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 22.86% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 99.55M.

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%.

Undervalued

The company’s latest PB is 0.85, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 1.34M shares, decreasing 2.69% quarter-over-quarter.

Held by PRFDX

Star Investor PRFDX holds 387.00 shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-11

The company's current financial score is 4.82, which is lower than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 28.79M, representing a year-over-year increase of 15.45%, while its net profit experienced a year-over-year increase of 32.76%.

Score

Industry at a Glance

Previous score

4.82

Change



Financials

6.76

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.43

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.59

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.20

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.10

Key Metrics

Free cash flow

No Data

Citizens Financial Services Inc's Company Valuation

Currency: USD Updated: 2025-11-11

The company’s current valuation score is 8.86, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 8.11, which is 105.41% below the recent high of 16.67 and 15.38% above the recent low of 6.87.

Score

Industry at a Glance

Previous score

8.86

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 144/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-11

The company’s current earnings forecast score is 10.00, which is higher than the Banking Services industry's average of 7.41. The average price target for Citizens Financial Services Inc is 64.36, with a high of 64.36 and a low of 64.36.

Score

Industry at a Glance

Previous score

10.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 1 analysts

Strong Buy

Current Rating

64.356

Target Price

+11.69%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Citizens Financial Services Inc

CZFS

Apple Inc

AAPL

GE Vernova Inc

GEV

Tapestry Inc

TPR

FMC Corp

FMC

Avantor Inc

AVTR

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-11

The company’s current price momentum score is 6.91, which is lower than the Banking Services industry's average of 7.87. Sideways: Currently, the stock price is trading between the resistance level at 60.28 and the support level at 53.66, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.91

Change

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

1.051

Neutral

RSI(14)

54.222

Neutral

STOCH(KDJ)(9,3,3)

79.461

Neutral

ATR(14)

1.839

Low Volatility

CCI(14)

142.575

Buy

Williams %R

20.393

Buy

TRIX(12,20)

-0.126

Sell

StochRSI(14)

68.525

Sell

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

57.014

Sell

MA10

55.722

Buy

MA20

55.482

Buy

MA50

58.389

Sell

MA100

58.506

Sell

MA200

58.713

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-11

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 27.79%, representing a quarter-over-quarter decrease of 20.51%. The largest institutional shareholder is The Vanguard, holding a total of 246.74K shares, representing 5.13% of shares outstanding, with 2.20% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

290.25K

-3.86%

The Vanguard Group, Inc.

Star Investors

244.75K

+1.43%

Citizens & Northern Corp

117.08K

Geode Capital Management, L.L.C.

106.34K

+0.60%

State Street Investment Management (US)

99.48K

+7.17%

Graham (Roger C Jr)

67.00K

+0.14%

Black (Randall E)

44.28K

+0.98%

Hudock Capital Group, LLC

41.12K

+0.21%

Charles Schwab Investment Management, Inc.

37.32K

+1.65%

Northern Trust Investments, Inc.

34.00K

-5.65%

Risk Assessment

Currency: USD Updated: 2025-11-11

The company’s current risk assessment score is 3.90, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.46. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.