NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $68.91 -1.09 (-1.56%) (As of 11/20/2024 ET) Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends About Citizens Financial Services Stock (NASDAQ:CZFS) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get CZFS alerts:Sign Up Key Stats Today's Range$68.42▼$70.1650-Day Range$52.33▼$71.8852-Week Range$38.52▼$73.45Volume29,756 shsAverage Volume20,307 shsMarket Capitalization$328.01 millionP/E Ratio11.90Dividend Yield2.84%Price Target$53.00Consensus RatingBuy Company OverviewCitizens 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.Read More… New Year, New Opportunity! 2 AI Stocks Under $10 Ready to Soar (Ad)As we step into 2025, artificial intelligence (AI) stocks continue to dominate headlines, and now is the perfect moment to position yourself for the coming year’s potential. 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The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.Amount of Analyst CoverageCitizens Financial Services has received no research coverage in the past 90 days.Read more about Citizens Financial Services' stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth13.64% Earnings GrowthEarnings 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 MarketThe 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. SectorThe 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 RatioCitizens 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. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.60% of the float of Citizens Financial Services has been sold short.Short Interest Ratio / Days to CoverCitizens 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 monthShort interest in Citizens Financial Services has recently decreased by 15.92%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 2.80%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCitizens Financial Services does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 33.85%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased 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. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.60% of the float of Citizens Financial Services has been sold short.Short Interest Ratio / Days to CoverCitizens 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 monthShort interest in Citizens Financial Services has recently decreased by 15.92%, indicating that investor sentiment is improving significantly. News and Social Media0.6 / 5News SentimentN/A Search Interest1 people have searched for CZFS on MarketBeat in the last 30 days. Company Ownership1.7 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn 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 InsidersOnly 6.30% of the stock of Citizens Financial Services is held by insiders.Percentage Held by InstitutionsOnly 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. Email Address CZFS Stock News HeadlinesCitizens Financial Services, Inc. (NASDAQ:CZFS) Director John P. Painter II Acquires 290 SharesNovember 5, 2024 | insidertrades.comCitizens Financial Group Inc. stock remains steady Wednesday, underperforms marketNovember 13, 2024 | marketwatch.comMy #1 Pre IPO Trade for 2025 – NAME and TICKEROne tiny company... Could quickly become "the next SpaceX." It plans to go public on the NASDAQ. And today you can buy Pre-IPO shares for less than $4.00. Get urgent details inside this free report...November 21, 2024 | Wyatt Investment Research (Ad)3 US Dividend Stocks To Consider For Your PortfolioNovember 6, 2024 | finance.yahoo.comCitizens Financial Services Ranks Among Top Community BanksNovember 2, 2024 | markets.businessinsider.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTSOctober 30, 2024 | prnewswire.comBuy Write Grabs Chunky October 30 Dividend From Citizens Financial GroupOctober 18, 2024 | forbes.comCitizens Financial Group Faces Near-Term NII and Deposit Challenges, Holds Long-Term PotentialOctober 17, 2024 | markets.businessinsider.comSee More Headlines CZFS Stock Analysis - Frequently Asked Questions How have CZFS shares performed this year? 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. How were Citizens Financial Services' earnings last quarter? 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%. Who are Citizens Financial Services' major shareholders? 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. How do I buy shares of Citizens Financial Services? 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. What other stocks do shareholders of Citizens Financial Services own? 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 Earnings7/21/2023Ex-Dividend for 9/27 Dividend9/13/2024Dividend Payable9/27/2024Today11/20/2024Fiscal Year End12/31/2024Next Earnings (Estimated)2/04/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:CZFS CUSIPN/A CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees310Year FoundedN/APrice 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 RatingBuy Rating Score (0-4)3.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$5.79 Trailing P/E Ratio11.90 Forward P/E Ratio12.53 P/E GrowthN/ANet Income$17.81 million Net Margins16.24% Pretax Margin19.79% Return on Equity9.86% Return on Assets0.95% Debt Debt-to-Equity Ratio0.78 Current Ratio0.97 Quick Ratio0.96 Sales & Book Value Annual Sales$138.72 million Price / Sales2.36 Cash Flow$5.29 per share Price / Cash Flow13.03 Book Value$59.43 per share Price / Book1.16Miscellaneous Outstanding Shares4,760,000Free Float4,479,000Market Cap$328.01 million OptionableNot Optionable Beta0.48 10 "Recession Proof" Stocks That Will Thrive in Any MarketWhich stocks are likely to thrive in today's challenging market? 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