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NASDAQ:CZFS

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

Citizens Financial Services logo
$56.86
-1.43 (-2.45%)
(As of 11/1/2024 ET)

About Citizens Financial Services Stock (NASDAQ:CZFS)

Key Stats

Today's Range
$56.61
$59.74
50-Day Range
$50.22
$62.91
52-Week Range
$38.52
$65.86
Volume
22,880 shs
Average Volume
10,055 shs
Market Capitalization
$270.65 million
P/E Ratio
9.82
Dividend Yield
3.45%
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
74th Percentile Overall Score

CZFS 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.

  • Earnings Growth

    Earnings 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 Market

    The 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. Sector

    The 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 Ratio

    Citizens 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.
  • Percentage of Shares Shorted

    0.71% 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 2.6, 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 5.71%, indicating that investor sentiment is improving significantly.
  • Dividend Yield

    Citizens Financial Services pays a meaningful dividend of 3.25%, 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

    0.71% 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 2.6, 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 5.71%, indicating that investor sentiment is improving significantly.
  • News Sentiment

    Citizens 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 Week

    MarketBeat has tracked 5 news articles for Citizens Financial Services this week, compared to 1 article on an average week.
  • Insider Buying vs. Insider Selling

    In the past three months, Citizens Financial Services insiders have not sold or bought any 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.
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CZFS Stock News Headlines

Citizens Financial Services, Inc. (NASDAQ:CZFS) Short Interest Update
Citizens Financial Services Ranks Among Top Community Banks
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See More Headlines

CZFS Stock Analysis - Frequently Asked Questions

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
.

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%.

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
11/02/2024
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
-6.8%
Consensus Rating
Buy
Rating Score (0-4)
3.00
Research Coverage
1 Analysts

Profitability

Net Income
$17.81 million
Pretax Margin
19.96%

Debt

Sales & Book Value

Annual Sales
$99.89 million
Cash Flow
$5.04 per share
Book Value
$59.43 per share

Miscellaneous

Free Float
4,460,000
Market Cap
$270.65 million
Optionable
Not Optionable
Beta
0.48
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This page (NASDAQ:CZFS) was last updated on 11/2/2024 by MarketBeat.com Staff
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