Free Trial
NASDAQ:CZFS

Citizens Financial Services (CZFS) Stock Price, News & Analysis

Citizens Financial Services logo
$68.72 -0.19 (-0.28%)
(As of 09:30 AM ET)

About Citizens Financial Services Stock (NASDAQ:CZFS)

Key Stats

Today's Range
$68.72
$68.72
50-Day Range
$52.33
$71.88
52-Week Range
$38.52
$73.45
Volume
1,581 shs
Average Volume
10,960 shs
Market Capitalization
$327.11 million
P/E Ratio
11.87
Dividend Yield
2.85%
Price Target
$53.00
Consensus Rating
Buy

Company Overview

Citizens Financial Services, Inc., a bank holding company, 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.

Citizens Financial Services Stock Analysis - MarketRank™

See Top Rated MarketRank™ Stocks
57th Percentile Overall Score

CZFS MarketRank™: 

Citizens Financial Services scored higher than 57% of companies evaluated by MarketBeat, and ranked 556th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Earnings Growth

    Earnings for Citizens Financial Services are expected to grow by 13.64% in the coming year, from $5.50 to $6.25 per share.

  • Price to Earnings Ratio vs. the Market

    The P/E ratio of Citizens Financial Services is 11.90, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 125.26.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Citizens Financial Services is 11.90, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 46.18.

  • Price to Book Value per Share Ratio

    Citizens Financial Services has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

  • Read more about Citizens Financial Services' valuation and earnings.
  • Percentage of Shares Shorted

    0.60% of the float of Citizens Financial Services has been sold short.
  • Short Interest Ratio / Days to Cover

    Citizens Financial Services has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Citizens Financial Services has recently decreased by 15.92%, indicating that investor sentiment is improving significantly.
  • Dividend Yield

    Citizens Financial Services pays a meaningful dividend of 2.80%, higher than the bottom 25% of all stocks that pay dividends.

  • Dividend Growth

    Citizens Financial Services does not have a long track record of dividend growth.

  • Dividend Coverage

    The dividend payout ratio of Citizens Financial Services is 33.85%. This payout ratio is at a healthy, sustainable level, below 75%.

  • Dividend Sustainability

    Based on earnings estimates, Citizens Financial Services will have a dividend payout ratio of 31.36% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

  • Read more about Citizens Financial Services' dividend.
  • Percentage of Shares Shorted

    0.60% of the float of Citizens Financial Services has been sold short.
  • Short Interest Ratio / Days to Cover

    Citizens Financial Services has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in Citizens Financial Services has recently decreased by 15.92%, indicating that investor sentiment is improving significantly.
  • Search Interest

    1 people have searched for CZFS on MarketBeat in the last 30 days.
  • Insider Buying vs. Insider Selling

    In the past three months, Citizens Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $16,428.00 in company stock and sold $0.00 in company stock.

  • Percentage Held by Insiders

    Only 6.30% of the stock of Citizens Financial Services is held by insiders.

  • Percentage Held by Institutions

    Only 22.49% of the stock of Citizens Financial Services is held by institutions.

  • Read more about Citizens Financial Services' insider trading history.
Receive CZFS Stock News and Ratings via Email

Sign-up to receive the latest news and ratings for Citizens Financial Services and its competitors with MarketBeat's FREE daily newsletter.

CZFS Stock News Headlines

[625,000% Gain] – Are You Ready for the Next Altcoin Boom?
All of our key indicators are flashing the same signal: an altcoin season is fast approaching. And if you know anything about crypto, you know that altcoin seasons are where some of the biggest gains happen.
3 US Dividend Stocks To Consider For Your Portfolio
Citizens Financial Services Ranks Among Top Community Banks
See More Headlines

CZFS Stock Analysis - Frequently Asked Questions

Citizens Financial Services' stock was trading at $64.72 on January 1st, 2024. Since then, CZFS stock has increased by 6.5% and is now trading at $68.91.
View the best growth stocks for 2024 here
.

Citizens Financial Services, Inc. (NASDAQ:CZFS) issued its quarterly earnings results on Friday, July, 21st. The company reported ($0.02) EPS for the quarter, meeting analysts' consensus estimates of ($0.02). Citizens Financial Services had a trailing twelve-month return on equity of 9.86% and a net margin of 16.24%.

Top institutional investors of Citizens Financial Services include Geode Capital Management LLC (2.15%), State Street Corp (1.51%), Charles Schwab Investment Management Inc. (0.73%) and De Lisle Partners LLP (0.32%). Insiders that own company stock include Randall E Black, Robert Joseph Marino, R Joseph Landy, Rinaldo A Depaola, Stephen J Guillaume, John P Painter II and David Z Richards Jr.
View institutional ownership trends
.

Shares of CZFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens Financial Services investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Arista Networks (ANET), ServiceNow (NOW) and Advanced Micro Devices (AMD).

Company Calendar

Last Earnings
7/21/2023
Ex-Dividend for 9/27 Dividend
9/13/2024
Dividend Payable
9/27/2024
Today
11/20/2024
Fiscal Year End
12/31/2024
Next Earnings (Estimated)
2/04/2025

Industry, Sector and Symbol

Sector
Finance
Industry
State commercial banks
Sub-Industry
Banking
Current Symbol
NASDAQ:CZFS
Employees
310
Year Founded
N/A

Price Target and Rating

Average Stock Price Target
$53.00
High Stock Price Target
$53.00
Low Stock Price Target
$53.00
Potential Upside/Downside
-23.1%
Consensus Rating
Buy
Rating Score (0-4)
3.00
Research Coverage
1 Analysts

Profitability

Net Income
$17.81 million
Pretax Margin
19.79%

Debt

Sales & Book Value

Annual Sales
$138.72 million
Cash Flow
$5.29 per share
Book Value
$59.43 per share

Miscellaneous

Free Float
4,479,000
Market Cap
$328.01 million
Optionable
Not Optionable
Beta
0.48
7 AI Stocks to Invest In: An Introduction to AI Investing For Self-Directed Investors Cover

As the AI market heats up, investors who have a vision for artificial intelligence have the potential to see real returns. Learn about the industry as a whole as well as seven companies that are getting work done with the power of AI.

Get This Free Report

This page (NASDAQ:CZFS) was last updated on 11/21/2024 by MarketBeat.com Staff
From Our Partners