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CZFS

CZFS - Citizens Financial Services, Inc. Stock Price, Fair Value and News

$60.85-0.96 (-1.55%)
Market Closed

55/100

CZFS

STOCK SCORE

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 10 years

55/100

CZFS

STOCK SCORE

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 10 years

Price Targets

Target 1Y

$66.26

Target 3M

$65.74

Target 6M

$65.93

CZFS Stock Valuation Analysis

Valuation

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CZFS Price Action

Last 7 days

-9.5%

Last 30 days

5.0%

Last 90 days

12.2%

Trailing 12 Months

-3.2%

CZFS RSI Chart

CZFS Stock Valuation Analysis

Valuation

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CZFS Valuation

Market Cap

292.5M

Price/Earnings (Trailing)

8.58

Price/Sales (Trailing)

1.85

EV/EBITDA

3.91

Price/Free Cashflow

9.66

CZFS Price/Sales (Trailing)

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Risk

Balance Sheet

Momentum

Funds Popularity

Insider Trading

Price Targets

Target 1Y

$66.26

Target 3M

$65.74

Target 6M

$65.93

CZFS Fundamentals

CZFS Revenue

Revenue (TTM)

157.8M

Rev. Growth (Yr)

4.05%

Rev. Growth (Qtr)

3.88%

CZFS Earnings

Earnings (TTM)

34.1M

Earnings Growth (Yr)

32.76%

Earnings Growth (Qtr)

18.22%

CZFS Profitability

EBT Margin

26.42%

Return on Equity

10.4%

Return on Assets

1.11%

Free Cashflow Yield

10.36%

CZFS Investor Care

Dividend Yield

3.27%

Dividend/Share (TTM)

1.99

Shares Dilution (1Y)

0.98%

Diluted EPS (TTM)

7.16

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2025155.4M156.2M157.8M0
2024139.9M151.0M153.0M154.3M
202390.6M98.1M113.0M127.1M
202272.7M74.1M77.5M83.4M
202173.3M73.2M73.1M73.2M
202062.3M65.0M67.5M70.3M
201958.4M59.9M61.5M62.0M
201850.2M52.4M54.6M56.8M
201743.8M45.2M46.4M48.1M
201637.3M39.0M41.1M43.0M
201535.3M35.2M35.2M35.7M
201436.0M36.0M35.5M35.3M
201337.4M36.8M36.6M36.2M
201238.5M38.5M38.4M38.1M
201138.7M38.5M38.4M38.3M
201000039.0M
Get all data in R, Python etc through our Historical Stock Data APIs

About Citizens Financial Services, Inc.

CZFS
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include 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. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
 CEO
 WEBSITEfirstcitizensbank.com
 SECTORFinancial Services
 INDUSTRYBanks Regional
 EMPLOYEES317

Citizens Financial Services, Inc. Frequently Asked Questions

CZFS is the stock ticker symbol of Citizens Financial Services, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

As of Wed Jan 28 2026, market cap of Citizens Financial Services, Inc. is 292.47 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

You can check CZFS's fair value in chart for subscribers.

The fair value guage provides a quick view whether CZFS is over valued or under valued. Whether Citizens Financial Services, Inc. is cheap or expensive depends on the assumptions which impact Citizens Financial Services, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CZFS.

As of Wed Jan 28 2026, CZFS's PE ratio (Price to Earnings) is 8.58 and Price to Sales (PS) ratio is 1.85. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CZFS PE ratio will change depending on the future growth rate expectations of investors.

In the past 10 years, Citizens Financial Services, Inc. has provided 0.027 (multiply by 100 for percentage) rate of return.