NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $56.86 -1.43 (-2.45%) (As of 11/1/2024 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$56.61▼$59.7450-Day Range$50.22▼$62.9152-Week Range$38.52▼$65.86Volume22,880 shsAverage Volume10,055 shsMarket Capitalization$270.65 millionP/E Ratio9.82Dividend Yield3.45%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… Sell NVDA Now? (Ad)Guess who's selling NVDA next The most successful hedge fund in history quietly sold 500,000 shares. Here's what that means for your money. Billionaire Wall Street investors are quietly offloading millions of shares. What do they know that you don't? It's arguably the most popular stock in the world. Now, one 50-year Wall Street legend says its day in the sun could finally be coming to an end. Last year, he warned of two stocks that went on to crash 60%.Now he's just issued a warning for the most popular stock in the world: Nvidia (NVDA). Citizens Financial Services Stock Analysis - MarketRank™See Top Rated MarketRank™ Stocks74th Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 74% of companies evaluated by MarketBeat, and ranked 380th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.5 / 5Analyst RatingBuy Consensus RatingCitizens Financial Services has received a consensus rating of Buy. 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 Valuation3.8 / 5Proj. Earnings Growth17.70% Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 17.70% in the coming year, from $5.31 to $6.25 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 9.82, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 127.95.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.82, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 43.25.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued 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 Shorted0.71% 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 2.6, 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 5.71%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 3.25%, 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 Shorted0.71% 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 2.6, 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 5.71%, indicating that investor sentiment is improving significantly. News and Social Media2.8 / 5News Sentiment1.10 News SentimentCitizens Financial Services has a news sentiment score of 1.10. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.56 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 5 news articles for Citizens Financial Services this week, compared to 1 article on an average week. Company Ownership0.0 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have not sold or bought any 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) Short Interest UpdateNovember 2 at 4:17 AM | americanbankingnews.comCitizens Financial Services Ranks Among Top Community BanksNovember 2 at 12:34 AM | markets.businessinsider.comSell NVDA Now?Guess who's selling NVDA next The most successful hedge fund in history quietly sold 500,000 shares. Here's what that means for your money. Billionaire Wall Street investors are quietly offloading millions of shares. What do they know that you don't? It's arguably the most popular stock in the world. Now, one 50-year Wall Street legend says its day in the sun could finally be coming to an end. Last year, he warned of two stocks that went on to crash 60%.November 2, 2024 | Chaikin Analytics (Ad)CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTSOctober 30 at 4:15 PM | 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.comCitizens Financial Group Inc. stock underperforms Friday when compared to competitors despite daily gainsOctober 4, 2024 | marketwatch.comPeering Into Citizens Financial Group's Recent Short InterestOctober 3, 2024 | benzinga.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 at the beginning of 2024. Since then, CZFS stock has decreased by 12.1% and is now trading at $56.86. View the best growth stocks for 2024 here. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) announced its quarterly earnings data on Friday, July, 21st. The company reported ($0.02) earnings per share for the quarter, meeting analysts' consensus estimates of ($0.02). Citizens Financial Services had a net margin of 16.24% and a trailing twelve-month return on equity of 9.99%. 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 Payable9/27/2024Today11/02/2024Fiscal 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-6.8%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$5.79 Trailing P/E Ratio9.82 Forward P/E Ratio10.71 P/E GrowthN/ANet Income$17.81 million Net Margins16.24% Pretax Margin19.96% Return on Equity9.99% Return on Assets0.96% Debt Debt-to-Equity Ratio1.17 Current Ratio1.01 Quick Ratio1.00 Sales & Book Value Annual Sales$99.89 million Price / Sales2.71 Cash Flow$5.04 per share Price / Cash Flow11.29 Book Value$59.43 per share Price / Book0.96Miscellaneous Outstanding Shares4,760,000Free Float4,460,000Market Cap$270.65 million OptionableNot Optionable Beta0.48 Metaverse Stocks And Why You Can't Ignore ThemThinking about investing in Meta, Roblox, or Unity? 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