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Citizens Financial Services, Inc.NasdaqCM:CZFS Stock Report

Market Cap US$367.3m
Share Price
n/a
1Y47.3%
7D3.5%
1D1.5%
Portfolio Value
​
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Citizens Financial Services, Inc.

NasdaqCM:CZFS Stock Report

Market Cap: US$367.3m

Citizens Financial Services (CZFS) Stock Overview

A bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. More details

CZFS fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance5/6
Financial Health5/6
Dividends4/6

Rewards

Trading at 7.2% below our estimate of its fair value

Earnings grew by 29.9% over the past year

Pays a reliable dividend of 2.58%

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 1.5% per year for the next 3 years


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Citizens Financial Services, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Citizens Financial Services
Historical stock prices
Current Share PriceUS$77.52
52 Week HighUS$79.50
52 Week LowUS$51.14
Beta0.38
1 Month Change4.57%
3 Month Change26.42%
1 Year Change47.35%
3 Year Change16.29%
5 Year Change29.59%
Change since IPO851.55%

Recent News & Updates

Seeking Alpha • Jun 22

Citizens Financial Services' Progress Is Impressive

Summary Citizens Financial Services remains a "Buy" as shares are attractively valued and asset quality is strong. CZFS trades at a forward P/E of 7.8, below peers and book value, with robust ROA (1.34%) and ROE (12.03%). Net interest income and profitability improved, aided by expanding net interest margin and disciplined deposit management. CZFS stands to benefit from falling interest rates, unlike many peers, enhancing its long-term outlook. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Jun 22

Citizens Financial Services' Progress Is Impressive

Summary Citizens Financial Services remains a "Buy" as shares are attractively valued and asset quality is strong. CZFS trades at a forward P/E of 7.8, below peers and book value, with robust ROA (1.34%) and ROE (12.03%). Net interest income and profitability improved, aided by expanding net interest margin and disciplined deposit management. CZFS stands to benefit from falling interest rates, unlike many peers, enhancing its long-term outlook. Read the full article on Seeking Alpha
Analysis Article • Sep 09

Citizens Financial Services (NASDAQ:CZFS) Is Paying Out A Dividend Of $0.49

Citizens Financial Services, Inc. ( NASDAQ:CZFS ) will pay a dividend of $0.49 on the 27th of September. This means...
Analysis Article • Jun 11

Citizens Financial Services (NASDAQ:CZFS) Has Announced A Dividend Of $0.49

Citizens Financial Services, Inc.'s ( NASDAQ:CZFS ) investors are due to receive a payment of $0.49 per share on 28th...
Analysis Article • Mar 11

Citizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49

Citizens Financial Services, Inc. ( NASDAQ:CZFS ) will pay a dividend of $0.49 on the 29th of March. Based on this...
Analysis Article • May 10

Here's Why We Think Citizens Financial Services (NASDAQ:CZFS) Might Deserve Your Attention Today

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Seeking Alpha • Oct 19

Citizens Financial Services to acquire HV Bancorp

Citizens Financial Services (NASDAQ:CZFS) is set to acquire HV Bancorp (NASDAQ:HVBC). The two companies have entered into a definitive merger agreement, pursuant to which HVBC shareholders will have the right to elect to receive for each share either $30.50 in cash or 0.400 shares of CZFS. The amount will come to ~$67.4M in aggregate. The transaction, approved by the boards of both the companies, will close in H1 of 2023, subject to regulatory approval, approval by HVBC shareholders and other customary closing conditions. A procedure will be followed as part of which 80% of the HVBC shares will be exchanged for stock and 20% of the shares for cash. Additionally, CZFS CEO Randall Black announced a strategic combination of the units, First Citizens Community Bank and Huntingdon Valley Bank. Source: Press Release
Analysis Article • Sep 06

Citizens Financial Services (NASDAQ:CZFS) Is Increasing Its Dividend To $0.48

Citizens Financial Services, Inc. ( NASDAQ:CZFS ) will increase its dividend from last year's comparable payment on the...
Seeking Alpha • Sep 01

Citizens Financial Services rises dividend 1.1% to $0.48/shares

Citizens Financial Services (NASDAQ:CZFS) declares $0.48/share quarterly dividend, 1.1% increase from prior dividend of $0.47. Forward yield 2.33% Payable Sept. 30; for shareholders of record Sept. 16; ex-div Sept. 15. See CZFS Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Jul 22

Citizens Financial Services GAAP EPS of $1.74, revenue of $20.03M

Citizens Financial Services press release (NASDAQ:CZFS): Q2 GAAP EPS of $1.74. Revenue of $20.03M (+5.9% Y/Y).
Analysis Article • Jun 08

Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47

Citizens Financial Services, Inc.'s ( NASDAQ:CZFS ) dividend will be increasing to US$0.47 on 24th of June. This makes...

Shareholder Returns

CZFSUS BanksUS Market
7D3.5%0.0006%1.0%
1Y47.3%27.3%19.1%

Return vs Industry: CZFS exceeded the US Banks industry which returned 24% over the past year.

Return vs Market: CZFS exceeded the US Market which returned 16.5% over the past year.

Price Volatility

Is CZFS's price volatile compared to industry and market?
CZFS volatility
CZFS Average Weekly Movement4.7%
Banks Industry Average Movement3.4%
Market Average Movement7.2%
10% most volatile stocks in US Market16.3%
10% least volatile stocks in US Market3.2%

Stable Share Price: CZFS has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CZFS's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1984389Randy Blackwww.firstcitizensbank.com

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts.

Citizens Financial Services, Inc. Fundamentals Summary

How do Citizens Financial Services's earnings and revenue compare to its market cap?
CZFS fundamental statistics
Market capUS$367.33m
Earnings (TTM)US$41.05m
Revenue (TTM)US$116.11m
9.1x
P/E Ratio
1.1x
P/B Ratio

Is CZFS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CZFS income statement (TTM)
RevenueUS$116.11m
Cost of RevenueUS$0
Gross ProfitUS$116.11m
Other ExpensesUS$75.06m
EarningsUS$41.05m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)8.54
Gross Margin100.00%
Net Profit Margin35.35%
Debt/Equity Ratio112.8%

How did CZFS perform over the long term?

See historical performance and comparison

Dividends

2.6%
Current Dividend Yield
23%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/31 03:43
End of Day Share Price 2026/07/31 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Financial Services, Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasBrean Capital Historical (Janney Montgomery)