Citizens Financial Services Inc

CZFS

Add to Watchlist

63.110USD

+0.540+0.86%

Close 05/15, 16:00（ET）Quotes delayed by 15 min

Citizens Financial Services Inc's Score

Industry at a Glance

Industry Ranking

76 / 394

Overall Ranking

145 / 4482

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 0.88, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 1.40M shares, decreasing 1.69% quarter-over-quarter.

Held by PRFDX

Star Investor PRFDX holds 505.00 shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.52.

Analyst Rating

Based on 1 analysts

Buy

Current Rating

71.000

Target Price

+13.47%

Upside Space

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

The current financial score of Citizens Financial Services Inc is 8.74, ranking 71 out of 394 in the Banking Services industry. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 29.09M, representing a year-over-year increase of 12.74%, while its net profit experienced a year-over-year increase of 36.15%.

Score

Industry at a Glance

Previous score

8.74

Change

0



Financials

4.63

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

9.48

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

9.61

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

The current valuation score of Citizens Financial Services Inc is 8.86, ranking 25 out of 394 in the Banking Services industry. Its current P/E ratio is 7.70, which is 116.49% below the recent high of 16.67 and 10.81% above the recent low of 6.87.

Score

Industry at a Glance

Previous score

8.86

Change

0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 76/394

Relevant data have not been disclosed by the company yet.

The current earnings forecast score of Citizens Financial Services Inc is 8.00, ranking 55 out of 394 in the Banking Services industry. The average price target is 64.36, with a high of 64.36 and a low of 64.36.

Score

Industry at a Glance

Previous score

8.00

Change

0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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

The current price momentum score of Citizens Financial Services Inc is 7.04, ranking 100 out of 394 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 68.46 and the support level at 58.89, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.92

Change

0.12

Support & Resistance

Relevant data have not been disclosed by the company yet.

Institutional Confidence

Currency: USD Updated: 2026-05-15

The current institutional shareholding score of Citizens Financial Services Inc is 3.00, ranking 252 out of 394 in the Banking Services industry. The latest institutional shareholding proportion is 29.14%, representing a quarter-over-quarter increase of 0.59%. The largest institutional shareholder is Invesco, holding a total of 2.92K shares, representing 0.06% of shares outstanding, with 55.10% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

292.96K

+1.76%

Citizens & Northern Corp

117.06K

-0.02%

Geode Capital Management, L.L.C.

110.87K

+1.27%

State Street Investment Management (US)

99.64K

-0.11%

Graham (Roger C Jr)

68.68K

+2.35%

Black (Randall E)

45.90K

-0.93%

Hudock Capital Group, LLC

39.92K

-0.87%

Charles Schwab Investment Management, Inc.

39.01K

-0.05%

Northern Trust Investments, Inc.

31.95K

-4.74%



1

2



The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Citizens Financial Services Inc is 4.41, ranking 319 out of 394 in the Banking Services industry. The company's beta value is 0.40. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.

Citizens Financial Services Inc

CZFS

7.26 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Royal Bank of Canada

RY

8.49 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Prosperity Bancshares Inc

PB

8.47 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

East West Bancorp Inc

EWBC

8.42 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Synchrony Financial

SYF

8.38 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

AerCap Holdings NV

AER

8.38 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment