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Citizens Financial Services Inc

CZFS

61.030USD

+0.720+1.19%

Close 03/30, 16:00（ET）Quotes delayed by 15 min

213.44MMarket Cap

8.01P/E TTM



Citizens Financial Services Inc

61.030

+0.720+1.19%

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: 2026-03-27

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 77 out of 400 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 69.00.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, the company shows 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

77 / 400

Overall Ranking

140 / 4542

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 0.86, 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 1 analysts

Buy

Current Rating

69.000

Target Price

+14.64%

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: 2026-03-27

The current financial score of Citizens Financial Services Inc is 8.74, ranking 73 out of 400 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

8.74

Change



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.

Citizens Financial Services Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of Citizens Financial Services Inc is 8.86, ranking 27 out of 400 in the Banking Services industry. Its current P/E ratio is 7.91, which is 110.67% below the recent high of 16.67 and 13.21% 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 77/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of Citizens Financial Services Inc is 8.00, ranking 56 out of 400 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

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 1 analysts

Buy

Current Rating

69.000

Target Price

+14.41%

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

Avantor Inc

AVTR

Verisk Analytics Inc

VRSK

...

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: 2026-03-27

The current price momentum score of Citizens Financial Services Inc is 7.16, ranking 145 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 63.78 and the support level at 56.67, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.01

Change

0.15

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(1)

Neutral(3)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.365

Neutral

RSI(14)

51.246

Neutral

STOCH(KDJ)(9,3,3)

60.904

Neutral

ATR(14)

2.295

High Vlolatility

CCI(14)

127.326

Buy

Williams %R

31.050

Buy

TRIX(12,20)

-0.159

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

60.200

Buy

MA10

59.992

Buy

MA20

60.333

Buy

MA50

62.337

Sell

MA100

60.130

Buy

MA200

59.324

Buy

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of Citizens Financial Services Inc is 3.00, ranking 251 out of 400 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 5.01% 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: 2026-03-27

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 323 out of 400 in the Banking Services industry. The company's beta value is 0.43. 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.