NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $56.84 -0.17 (-0.30%) As of 04/24/2025 04:00 PM Eastern Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock 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$56.17▼$57.7050-Day Range$53.49▼$63.0452-Week Range$38.14▼$75.40Volume9,561 shsAverage Volume13,888 shsMarket Capitalization$270.56 millionP/E Ratio9.68Dividend Yield3.48%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… Citizens Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks42nd Percentile Overall ScoreCZFS MarketRank™: Citizens Financial Services scored higher than 42% of companies evaluated by MarketBeat, and ranked 687th 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 Valuation2.5 / 5Proj. Earnings Growth5.47% Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 5.47% in the coming year, from $6.40 to $6.75 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 9.68, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.66.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 9.68, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.10.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 Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted1.32% 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 4.9.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 13.37%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCitizens Financial Services pays a meaningful dividend of 3.44%, 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 33.73%. 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 29.33% 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 Shorted1.32% 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 4.9.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 13.37%, indicating that investor sentiment is decreasing significantly. News and Social Media1.9 / 5News Sentiment0.33 News SentimentCitizens Financial Services has a news sentiment score of 0.33. 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 lower news sentiment than the 0.94 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Citizens Financial Services this week, compared to 1 article on an average week. 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 $7,347.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 6.10% 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 (CZFS) to Release Quarterly Earnings on ThursdayApril 23 at 2:53 AM | americanbankingnews.comShould You Buy Citizens Financial Services, Inc. (NASDAQ:CZFS) For Its Upcoming Dividend?March 9, 2025 | finance.yahoo.com[Action Required] Claim Your FREE IRS Loophole GuideThis shouldn't surprise anyone who's been paying attention, but... Pres. Trump may be about to unleash the biggest "dollar reset" since 1971.April 25, 2025 | Colonial Metals (Ad)Citizens Financial Services' (NASDAQ:CZFS) Shareholders Will Receive A Bigger Dividend Than Last YearMarch 8, 2025 | finance.yahoo.comCitizens Financial Services, Inc. (CZFS)February 21, 2025 | ca.finance.yahoo.comCitizens Financial Services reports Q4 EPS $1.68 vs. $1.59 last yearJanuary 30, 2025 | markets.businessinsider.comCitizens Financial Engages Investors on Robust PerformanceJanuary 30, 2025 | tipranks.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTSJanuary 30, 2025 | prnewswire.comSee More Headlines CZFS Stock Analysis - Frequently Asked Questions How have CZFS shares performed this year? Citizens Financial Services' stock was trading at $63.31 on January 1st, 2025. Since then, CZFS shares have decreased by 10.2% and is now trading at $56.84. View the best growth stocks for 2025 here. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) released its earnings results on Tuesday, February, 4th. The company reported $1.68 earnings per share for the quarter, topping analysts' consensus estimates of $1.54 by $0.14. Citizens Financial Services had a trailing twelve-month return on equity of 9.93% and a net margin of 16.39%. Who are Citizens Financial Services' major shareholders? Top institutional investors of Citizens Financial Services include GAMMA Investing LLC (0.50%), Rhumbline Advisers (0.11%) and NBT Bank N A NY (0.03%). 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. 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 Earnings2/04/2025Record date for 3/28 Dividend3/14/2025Ex-Dividend for 3/28 Dividend3/14/2025Dividend Payable3/28/2025Today4/24/2025Next Earnings (Estimated)4/24/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:CZFS 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)$5.87 Trailing P/E Ratio9.68 Forward P/E Ratio8.88 P/E GrowthN/ANet Income$27.82 million Net Margins16.39% Pretax Margin19.79% Return on Equity9.93% Return on Assets0.97% Debt Debt-to-Equity Ratio0.78 Current Ratio0.97 Quick Ratio0.96 Sales & Book Value Annual Sales$100.75 million Price / Sales2.69 Cash Flow$5.07 per share Price / Cash Flow11.21 Book Value$59.43 per share Price / Book0.96Miscellaneous Outstanding Shares4,760,000Free Float4,460,000Market Cap$270.56 million OptionableNot Optionable Beta0.43 10 "Recession Proof" Stocks That Will Thrive in Any MarketWhich stocks are likely to thrive in today's challenging market? 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