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

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.

Key Stats

• Today's Range: $66.52 to $68.50
• 50-Day Range: $53.55 to $73.40
• 52-Week Range: $38.52 to $75.40
• Volume: 2,245 shs
• Average Volume: 11,900 shs
• Market Capitalization: $316.64 million
• P/E Ratio: 11.49
• Dividend Yield: 2.95%
• Price Target: $53.00
• Consensus Rating: Buy

Citizens Financial Services Stock Analysis - MarketRank™

Citizens Financial Services scored higher than 54% of companies evaluated by MarketBeat, and ranked 597th out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

Citizens 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 Coverage

Citizens Financial Services has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 13.64%

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 11.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 135.63.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens Financial Services is 11.49, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 49.04.

Price to Book Value per Share Ratio

Citizens Financial Services has a P/B Ratio of 1.12. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.76% 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 1.7, 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 increased by 16.21%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Citizens Financial Services pays a meaningful dividend of 2.78%, 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.76% 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 1.7, 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 increased by 16.21%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.60

News Sentiment

Citizens Financial Services has a news sentiment score of 0.60. 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 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Citizens Financial Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Citizens Financial Services insiders have bought 105.72% more of their company's stock than they have sold. Specifically, they have bought $17,301.00 in company stock and sold $8,410.00 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.

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 the year. Since then, CZFS stock has increased by 2.8% and is now trading at $66.52.
View the best growth stocks for 2024 here.

How were Citizens Financial Services' earnings last quarter?

Citizens Financial Services, Inc. (NASDAQ:CZFS) posted its 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 shareholders 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 Earnings: 7/21/2023
• Ex-Dividend for 9/27 Dividend: 9/13/2024
• Dividend Payable: 9/27/2024
• Ex-Dividend for 12/27 Dividend: 12/13/2024
• Today: 12/18/2024
• Dividend Payable: 12/27/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CZFS
• CUSIP: N/A
• CIK: 739421
• Web: www.firstcitizensbank.com
• Phone: (570) 662-2121
• Fax: 570-662-2365
• 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: -20.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $5.79
• Trailing P/E Ratio: 11.49
• Forward P/E Ratio: 12.09
• P/E Growth: N/A
• Net Income: $17.81 million
• Net Margins: 16.24%
• Pretax Margin: 19.79%
• Return on Equity: 9.86%
• Return on Assets: 0.95%

Debt

• Debt-to-Equity Ratio: 0.78
• Current Ratio: 0.97
• Quick Ratio: 0.96

Sales & Book Value

• Annual Sales: $99.89 million
• Price / Sales: 3.17
• Cash Flow: $4.98 per share
• Price / Cash Flow: 13.36
• Book Value: $59.43 per share
• Price / Book: 1.12

Miscellaneous

• Outstanding Shares: 4,760,000
• Free Float: 4,460,000
• Market Cap: $316.64 million
• Optionable: Not Optionable
• Beta: 0.53