
CITIZENS FINANCIAL SERVICES
CZFSNASDAQTrading Snapshot
- Day Range
- $79.59 β $81.42
- 52-Week Range
- $52.35 β $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
- βHigh-growth profile β revenue up +38.6% YoY with expanding US Equity exposure.
- βHealthy economics β 76% gross margin and 22% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
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.
Otter Score Breakdown
βAnalyst Price Target
βLatest News & Updates
CITIZENS FINANCIAL SERVICES tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift CZFS price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
CITIZENS FINANCIAL SERVICES announces new agreement to expand its footprint
The move broadens the companyβs reach and could add incremental revenue over the next year.