CZFS — Citizens Financial Services, Inc. stock price, charts and financials
QT72Citizens Financial Services, Inc.Citizens Financial Services, Inc. (NASDAQ: CZFS) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 9.55 | EPS (ttm) | 8.55 | Insider Own | 11.68% | Shs Outstand | 4.80M | Perf Week | -1.78% |
| Market Cap | 392.28M | Forward P/E | 9.27 | EPS next Y | 8.81 | Insider Trans | 0.05% | Shs Float | 4.50M | Perf Month | -2.43% |
| Enterprise Value | 255.28M | PEG | 7.58 | EPS next Q | 2.20 | Inst Own | - | Short Float | 1.66% | Perf Quarter | 22.86% |
| Income | 40.00M | P/S | 2.23 | EPS this Y | 1.75% | Inst Trans | - | Short Ratio | 3.05 | Perf Half Y | 41.03% |
| Sales | 176.00M | P/B | 1.11 | EPS next Y | 1.26% | ROA | 1.29% | Short Interest | 74.56K | Perf YTD | 43.18% |
| Book/sh | 73.47 | P/C | 0.74 | EPS next 5Y | 1.26% | ROE | 12.05% | 52W High | 84.65 -3.56% | Perf Year | 30.69% |
| Cash/sh | 110.51 | P/FCF | 10.36 | EPS past 3/5Y | 2.38% 3.98% | ROIC | 1.29% | 52W Low | 52.35 55.95% | Perf 3Y | 60.39% |
| Dividend Est. | 2.04 (2.50%) | EV/EBITDA | 5.01 | Sales past 3/5Y | 22.99% 16.10% | Gross Margin | 65.87% | Volatility | 2.87% 2.81% | Perf 5Y | 35.91% |
| Dividend TTM | 2.02 (2.47%) | EV/Sales | 1.45 | EPS Y/Y TTM | 47.67% | Oper. Margin | 28.62% | ATR (14) | 2.35 | Perf 10Y | 78.53% |
| Dividend Ex-Date | Sep 11, 2026 | Quick Ratio | 12.29 | Sales Y/Y TTM | 4.14% | Profit Margin | 23.34% | RSI (14) | 52.12 | Recom | 2.00 |
| Dividend Gr. 3/5Y | 2.14% 1.22% | Current Ratio | 12.29 | EPS Q/Q | 20.45% | SMA20 | -0.11% | Beta | 0.39 | Target Price | - |
| Payout | 23.53% | Debt/Eq | 0.91 | Sales Q/Q | 4.76% | SMA50 | 3.34% | Rel Volume | 0.94 | Prev Close | 81.33 |
| Employees | 389 | LT Debt/Eq | 0.87 | Earnings | Oct 29 | SMA200 | 21.25% | Avg Volume | 29.99K | Price | 81.64 |
| IPO Date | Jan 04, 1999 | Option/Short | No / Yes | EPS/Sales Surpr. | 7.07% 1.39% | Net Debt/EBITDA | 6.95 | Volume | 28,195 | Change | 0.38% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Apr-30-24 | Upgrade | Janney Montgomery Scott | Neutral → Buy | |
| Jun-29-23 | Downgrade | Janney Montgomery Scott | Buy → Neutral | |
| Jan-26-21 | Upgrade | Janney Capital | Neutral → Buy | |
| Jan-26-21 | Upgrade | Janney Montgomery Scott | Neutral → Buy |
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 176 | 173 | 169 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 60 | 64 | 70 | — | — | — | — | — | — | |
| Gross Profit | 115 | 110 | 98 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 48 | 46 | 41 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 17 | 19 | 23 | — | — | — | — | — | — | |
| Operating Income | 50 | 45 | 34 | — | — | — | — | — | — | |
| Interest Expense | 58 | 61 | 68 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 58 | 61 | 68 | — | — | — | — | — | — | |
| Net Income Before Taxes | 50 | 45 | 34 | — | — | — | — | — | — | |
| Income Taxes | 8 | 9 | 6 | — | — | — | — | — | — | |
| Consolidated Net Income | 40 | 37 | 28 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 40 | 37 | 28 | — | — | — | — | — | — | |
| Net Income | 40 | 37 | 28 | — | — | — | — | — | — | |
| EPS (Recurring) | 8.57 | 7.62 | 5.80 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 8.57 | 7.62 | 5.80 | — | — | — | — | — | — | |
| EPS (Diluted) | 8.55 | 7.62 | 5.79 | — | — | — | — | — | — | |
| EBITDA | 51 | 45 | 35 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 9.55 | 7.48 | 10.83 | — | — | — | — | — | — | |
| Price To Sales Ratio | 2.32 | 1.65 | 1.85 | — | — | — | — | — | — | |
| Gross Margin | 65.34 | 63.58 | 57.99 | — | — | — | — | — | — | |
| Operating Margin | 28.41 | 26.01 | 20.12 | — | — | — | — | — | — | |
| Net Margin | 22.73 | 21.39 | 16.57 | — | — | — | — | — | — | |
| Shares Outstanding | 5 | 5 | 5 | — | — | — | — | — | — | |
| Market Capitalization | 408 | 285 | 313 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Guillaume Stephen J | SENIOR VICE PRESIDENT | Aug 31 '26 | Buy | 76.32 | 24 | 1,832 | 5,094 | Sep 01 |
| Painter John P II | Director | Aug 05 '26 | Buy | 80.52 | 160 | 12,883 | 3,921 | Aug 05 |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | Jul 09 '26 | Sale | 71.52 | 15 | 1,073 | 946 | Jul 09 |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | Jun 25 '26 | Sale | 66.52 | 29 | 1,929 | 808 | Jun 25 |
| Guillaume Stephen J | SENIOR VICE PRESIDENT | May 29 '26 | Buy | 61.78 | 34 | 2,101 | 4,718 | Jun 02 |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | May 28 '26 | Sale | 64.78 | 24 | 1,555 | 837 | May 28 |
| Painter John P II | Director | May 12 '26 | Buy | 63.67 | 140 | 8,914 | 3,662 | May 12 |
| Painter John P II | Director | Mar 06 '26 | Buy | 61.00 | 675 | 41,175 | 3,412 | Mar 06 |
| Guillaume Stephen J | SENIOR VICE PRESIDENT | Feb 27 '26 | Buy | 57.06 | 13 | 742 | 4,656 | Mar 02 |
| Guillaume Stephen J | SENIOR VICE PRESIDENT | Nov 28 '25 | Buy | 53.10 | 16 | 850 | 4,570 | Dec 01 |
| BLACK RANDALL E | CEO & PRESIDENT | Nov 04 '25 | Buy | 54.25 | 22 | 1,194 | 44,035 | Nov 05 |
| BLACK RANDALL E | CEO & PRESIDENT | Nov 03 '25 | Buy | 54.10 | 478 | 25,862 | 44,013 | Nov 04 |
| Guillaume Stephen J | SENIOR VICE PRESIDENT | Aug 31 '25 | Buy | 56.96 | 13 | 740 | 4,524 | Sep 02 |
| Freeman Thomas E. | Director | Aug 22 '25 | Sale | 60.00 | 3,000 | 180,000 | 12,569 | Aug 22 |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | Jul 08 '25 | Sale | 59.64 | 14 | 835 | 720 | Jul 08 |