NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis $56.00 +1.97 (+3.65%) (As of 09/13/2024 ET) Add Compare Share Share Today's Range$55.00▼$57.1150-Day Range$42.12▼$56.9752-Week Range$38.52▼$65.86Volume6,951 shsAverage Volume9,022 shsMarket Capitalization$263.59 millionP/E Ratio15.18Dividend Yield3.50%Price Target$53.00 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrends Get Citizens Financial Services alerts: Email Address Citizens Financial Services MarketRank™ Stock AnalysisAnalyst RatingBuy3.00 Rating ScoreUpside/Downside5.4% Downside$53.00 Price TargetShort InterestHealthy0.73% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment0.31Based on 4 Articles This WeekInsider TradingN/AProj. Earnings Growth17.70%From $5.31 to $6.25 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.2.79 out of 5 starsFinance Sector489th out of 874 stocksState Commercial Banks Industry114th out of 177 stocks 1.5 Analyst's Opinion 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. Previous Next 3.0 Short Interest Percentage of Shares Shorted0.73% 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 2.5, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens Financial Services has recently increased by 6.25%, indicating that investor sentiment is decreasing significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 3.61%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens Financial Services does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 53.12%. 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. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZFS. Previous Next 1.8 News and Social Media Coverage News SentimentCitizens Financial Services has a news sentiment score of 0.31. 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 0.70 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for Citizens Financial Services this week, compared to 0 articles on an average week.MarketBeat FollowsOnly 1 people have added Citizens Financial Services to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days. Previous Next 0.0 Company Ownership 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. Previous Next 3.8 Earnings and Valuation 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 15.18, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 113.76.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 15.18, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.75.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.94. 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. 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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 CZFS Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZFS Stock News HeadlinesSeptember 9, 2024 | finance.yahoo.comCitizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49August 30, 2024 | marketwatch.comCitizens Financial Group Inc. stock rises Friday, still underperforms marketSeptember 15, 2024 | Porter & Company (Ad)Why billionaires are wiring money to abandoned towns A new force is brewing in these forgotten towns that could soon turn Appalachia into one of America’s most valuable economic hubs – the beating heart of a new multi-billion-dollar revolution. August 16, 2024 | marketwatch.comCitizens Financial Group Inc. stock underperforms Wednesday when compared to competitors despite daily gainsJuly 30, 2024 | prnewswire.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2024 FINANCIAL RESULTJuly 26, 2024 | marketwatch.comCitizens Financial Group Inc. stock underperforms Friday when compared to competitorsJuly 22, 2024 | marketwatch.comCitizens Financial Group Inc. stock rises Monday, still underperforms marketMay 28, 2024 | msn.comCitizens Bank Home Equity Review 2024: No Closing Costs and Fast FundingSeptember 15, 2024 | Porter & Company (Ad)Why billionaires are wiring money to abandoned towns A new force is brewing in these forgotten towns that could soon turn Appalachia into one of America’s most valuable economic hubs – the beating heart of a new multi-billion-dollar revolution. May 28, 2024 | msn.comCitizens Bank Home Equity Review 2024: No Closing Costs and Fast FundingMay 28, 2024 | bizjournals.comCitizens policies at 1.2 million, likely to dropMay 9, 2024 | seekingalpha.comCitizens Financial Group: Two Good Income OptionsMay 8, 2024 | tmcnet.comCitizens Financial Group to Participate in the Bernstein 40th Annual Strategic Decisions Conference 2024April 25, 2024 | prnewswire.comCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2024 FINANCIAL RESULTSApril 19, 2024 | markets.businessinsider.comBuy Rating Reaffirmed for Citizens Financial with Increased Target Price Amid Positive Financial OutlookApril 18, 2024 | markets.businessinsider.comCitizens Financial (CFG) Receives a Hold from KBWApril 18, 2024 | insidermonkey.comCitizens Financial Group, Inc. (NYSE:CFG) Q1 2024 Earnings Call TranscriptApril 18, 2024 | benzinga.comCitizens Financial Group Stock: A Deep Dive Into Analyst Perspectives (6 Ratings)See More Headlines 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 Company Calendar Ex-Dividend for 6/28 Dividend6/14/2024Dividend Payable6/28/2024Last Earnings7/30/2024Ex-Dividend for 9/27 Dividend9/13/2024Today9/15/2024Dividend Payable9/27/2024Next Earnings (Estimated)10/28/2024Fiscal Year End12/31/2024Get 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-5.4%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$3.69 Trailing P/E Ratio15.18 Forward P/E Ratio10.55 P/E GrowthN/ANet Income$17.81 million Net Margins16.44% Pretax Margin19.96% Return on Equity10.18% Return on Assets0.96% Debt Debt-to-Equity Ratio1.17 Current Ratio1.01 Quick Ratio1.00 Sales & Book Value Annual Sales$100.87 million Price / Sales2.61 Cash Flow$5.85 per share Price / Cash Flow9.58 Book Value$59.43 per share Price / Book0.94Miscellaneous Outstanding Shares4,707,000Free Float4,410,000Market Cap$263.59 million OptionableNot Optionable Beta0.48 Ten Starter Stocks For Beginners to Buy NowJust getting into the stock market? These 10 simple stocks can help beginning investors build long-term wealth without knowing options, technicals, or other advanced strategies.Get This Free Report Key ExecutivesMr. Randall E. Black (Age 57)Vice Chairman, President & CEO Comp: $665.33kMr. Mickey L. Jones CPA (Age 63)Executive VP, COO, Treasurer, Assistant Secretary & Director Comp: $402.78kMr. Stephen J. Guillaume (Age 47)Executive VP & CFO Comp: $174.22kMs. Kathleen M. Campbell CFMP (Age 63)Senior VP, CFMP & Director of Marketing of First Citizens National Bank Comp: $109.5kMs. Cynthia T. Pazzaglia (Age 65)Senior Vice President of Human Resources Marina Smalanaskas (Age 52)Senior VP & Southcentral Market Executive Mr. Anthony ManerchiaSenior VP & Chief Banking OfficerMs. Gina Marie BoorCorporate SecretaryMr. Jeffrey L. Wilson (Age 62)Executive VP & Chief Lending Officer of First Citizens Community Bank Comp: $213.98kMr. Jeffrey B. Carr (Age 54)Senior VP & Chief Retail Banking Officer of First Citizens Community Bank Comp: $153.64kMore ExecutivesKey CompetitorsPonce Financial GroupNASDAQ:PDLBChoiceOne Financial ServicesNASDAQ:COFSColony BankcorpNASDAQ:CBANTimberland BancorpNASDAQ:TSBKCentral Valley Community BancorpNASDAQ:CVCYView All CompetitorsInsiders & InstitutionsDimensional Fund Advisors LPSold 296 shares on 8/9/2024Ownership: 0.115%Hudock Inc.Bought 627 shares on 8/3/2024Ownership: 0.871%Rhumbline AdvisersBought 505 shares on 8/1/2024Ownership: 0.112%Bank of New York Mellon CorpBought 4,369 shares on 7/26/2024Ownership: 0.504%Nisa Investment Advisors LLCBought 706 shares on 7/20/2024Ownership: 0.015%View All Insider TransactionsView All Institutional Transactions CZFS Stock Analysis - Frequently Asked Questions How have CZFS shares performed this year? Citizens Financial Services' stock was trading at $64.72 at the start of the year. Since then, CZFS shares have decreased by 13.5% and is now trading at $56.00. 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 results on Tuesday, July, 30th. The company reported $1.30 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $1.33 by $0.03. The firm had revenue of $24.64 million for the quarter, compared to analysts' expectations of $25.40 million. Citizens Financial Services had a net margin of 16.44% and a trailing twelve-month return on equity of 10.18%. Who are Citizens Financial Services' major shareholders? Citizens Financial Services' top institutional investors include Hudock Inc. (0.87%), Bank of New York Mellon Corp (0.50%), Dimensional Fund Advisors LP (0.11%) and Rhumbline Advisers (0.11%). Insiders that own company stock include Randall E Black, Robert Joseph Marino, R Joseph Landy, Rinaldo A Depaola, Stephen J Guillaume 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. This page (NASDAQ:CZFS) was last updated on 9/15/2024 by MarketBeat.com Staff From Our PartnersWrite this ticker symbol down…A megatrend now poised to mint a brand-new wave of millionaires right here in America. 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