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Citizens Financial Services Inc

CZFS

65.715USD

-1.075-1.61%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

315.90MMarket Cap

8.62P/E TTM



Citizens Financial Services Inc

65.715

-1.075-1.61%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-02-06

Key Insights

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.

Held by PRFDX

Star Investor PRFDX holds 428.00 shares of this stock.

Analyst Rating

Based on 0 analysts

Current Rating

64.356

Target Price

+1.75%

Upside Space

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

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Citizens Financial Services Inc is 8.75, ranking 61 out of 397 in the Banking Services industry. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 29.29M, representing a year-over-year increase of 12.41%, while its net profit experienced a year-over-year increase of 31.32%.

Score

Industry at a Glance

Previous score

8.75

Change



Financials

4.70

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

9.60

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Citizens Financial Services Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Citizens Financial Services Inc is 8.86, ranking 27 out of 397 in the Banking Services industry. Its current P/E ratio is 8.62, which is 93.34% below the recent high of 16.67 and 20.35% 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 182/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

No earnings forecast score is currently available for Citizens Financial Services Inc. The Banking Services industry's average is 7.33. 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

0.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

No Data

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.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of Citizens Financial Services Inc is 8.89, ranking 260 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 71.01 and the support level at 58.71, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.07

Change

-0.18

Support & Resistance

Relevant data have not been disclosed by the company yet.

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)

0.346

Buy

RSI(14)

58.834

Neutral

STOCH(KDJ)(9,3,3)

80.373

Neutral

ATR(14)

3.688

High Vlolatility

CCI(14)

4.431

Neutral

Williams %R

29.147

Buy

TRIX(12,20)

0.423

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

66.423

Sell

MA10

64.486

Buy

MA20

63.828

Buy

MA50

60.544

Buy

MA100

58.865

Buy

MA200

58.831

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Citizens Financial Services Inc is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 28.97%, representing a quarter-over-quarter increase of 0.01%. The largest institutional shareholder is The Vanguard, holding a total of 253.40K shares, representing 5.27% of shares outstanding, with 5.02% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

287.89K

-0.81%

The Vanguard Group, Inc.

Star Investors

246.74K

+0.81%

Citizens & Northern Corp

117.08K

Geode Capital Management, L.L.C.

109.48K

+2.95%

State Street Investment Management (US)

99.75K

+0.26%

Graham (Roger C Jr)

67.10K

+0.14%

Black (Randall E)

46.33K

+3.47%

Hudock Capital Group, LLC

40.27K

-2.06%

Charles Schwab Investment Management, Inc.

39.03K

+4.58%

Northern Trust Investments, Inc.

33.54K

-1.34%

Risk Assessment

Currency: USD Updated: 2026-02-06

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 325 out of 397 in the Banking Services industry. The company's beta value is 0.42. 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.