CZFS logo

CITIZENS FINANCIAL SERVICES

CZFSNASDAQ
πŸ† #2599 by market capEarnings Oct 29US Equity
$80.00β–Ό $1.42 (βˆ’1.77%)
Market closed Β· at close
1hβ€”
24hβ–Ό 1.8%
7dβ–Ό 2.7%
14dβ–² 2.8%
30dβ–² 13.8%
1yβ–² 49.9%
🏦Market Cap
$384M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+45.7%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
34.0%
Strong
βš–οΈP/S Ratio
3.1x
Fair
Otter Score
45
Weak

Trading Snapshot

Day Range
$79.59 – $81.42
52-Week Range
$52.35 – $83.37
Volume
$2.66B
Avg Volume
$2.72B
Shares Outstanding
4.8M
Next Earnings
Sep 25, 2026

Fundamentals Snapshot

Annual Revenue
$173M
Last Q Revenue
$44M
P/E Ratio
9.9
P/S Ratio
3.1x
EPS (TTM)
$8.19
Dividend Yield
2.46%

Why Investors Own CZFS

  • βœ“High-growth profile β€” revenue up +38.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 76% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$173Mβ–² +45.1% YoY
Gross Margin (TTM)
75.6%β–² +3.2% YoY
Operating Income (TTM)
$62Mβ–² +45.1% YoY
Free Cash Flow (TTM)
$37Mβ–² +45.1% YoY

About CITIZENS FINANCIAL SERVICES

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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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
45/100

Analyst Price Target

β“˜
Average Target
$106.34
β–² +32.9% Upside
High Target$118.28
Low Target$92.64
Based on 20 analysts

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