CZFS — Citizens Financial Services, Inc. stock price, charts and financials

QT78Citizens 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.

Latest market price
80.39
-0.02-0.02%
OverviewShort InterestFilings
CZFSQT78Citizens Financial Services, Inc.·NASDAQ
80.39-0.02%
TA
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Signal & projected range
Insider buy + earnings beatHistorical pattern — not a prediction
Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)
Horizon
0%Past 3 monthsToday
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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Premium shows the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands ofhistorical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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Snapshot
Index-P/E9.38EPS (ttm)8.57Insider Own11.65%Shs Outstand4.80MPerf Week3.72%
Market Cap386.32MForward P/E9.68EPS next Y8.31Insider Trans0.17%Shs Float4.50MPerf Month12.53%
Enterprise Value750.00MPEG0.31EPS next Q2.02Inst Own-Short Float1.14%Perf Quarter22.02%
Income41.10MP/S2.20EPS this Y-3.74%Inst Trans-Short Ratio5.78Perf Half Y20.38%
Sales175.88MP/B1.09EPS next Y0.97%ROA1.29%Short Interest51.47KPerf YTD41.00%
Book/sh-P/C6.94EPS next 5Y0.97%ROE12.05%52W High83.35 -3.56%Perf Year53.38%
Cash/sh-P/FCF6.90EPS past 3/5Y2.38% 3.98%ROIC1.29%52W Low52.02 54.53%Perf 3Y16.17%
Dividend Est.2.04 (2.54%)EV/EBITDA14.70Sales past 3/5Y22.99% 16.10%Gross Margin65.87%Volatility4.76% 4.74%Perf 5Y33.75%
Dividend TTM2.01 (2.50%)EV/Sales4.26EPS Y/Y TTM47.67%Oper. Margin28.62%ATR (14)3.32Perf 10Y74.29%
Dividend Ex-DateJun 12, 2026Quick Ratio12.29Sales Y/Y TTM-0.59%Profit Margin23.34%RSI (14)62.54Recom2.00
Dividend Gr. 3/5Y2.14% 1.22%Current Ratio12.29EPS Q/Q20.45%SMA205.99%Beta0.39Target Price-
Payout29.38%Debt/Eq1.12Sales Q/Q-14.29%SMA5012.44%Rel Volume4.63Prev Close80.40
Employees405LT Debt/Eq0.87EarningsOct 29SMA20026.25%Avg Volume17.10KPrice80.39
IPO DateJan 04, 1999Option/ShortNo / YesEPS/Sales Surpr.7.07% 1.39%Net Debt/EBITDA7.13Volume79,191Change-0.02%
Analyst Ratings
DateActionAnalystRatingTarget
Apr-30-24UpgradeJanney Montgomery ScottNeutral → Buy
Jun-29-23DowngradeJanney Montgomery ScottBuy → Neutral
Jan-26-21UpgradeJanney CapitalNeutral → Buy
Jan-26-21UpgradeJanney Montgomery ScottNeutral → Buy
Latest News
Jul-30-26
Jul-30-2612:26PM
Citizens Financial Services (NASDAQ:CZFS) Falls on Revenue Miss Despite Q2 Earnings BeatChartMill
09:36AM
Citizens Financial Services (CZFS) Tops Q2 Earnings Estimateszacks.com
07:10AM
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTSprnewswire.com
Jul-29-26
Jul-29-2612:46PM
Citizens Financial Services (CZFS) Could Be a Great Choicezacks.com
Jul-06-26
Jul-06-2610:16AM
Best Income Stocks to Buy for July 6thzacks.com
Jul-02-26
Jul-02-2609:56AM
Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Whyzacks.com
09:25AM
5 High-Efficiency Stocks With Strong Profit Potential to Buy Nowzacks.com
Jul-01-26
Jul-01-2611:16AM
Best Momentum Stocks to Buy for July 1stzacks.com
04:26AM
Best Income Stocks to Buy for July 1stzacks.com
Jun-29-26
Jun-29-2610:17AM
Citizens Financial Services Inc. (CZFS) Hit a 52 Week High, Can the Run Continue?zacks.com
Jun-22-26
Jun-22-2612:48PM
Citizens Financial Services' Progress Is ImpressiveSeekingAlpha
Jun-18-26
Jun-18-2608:20PM
Dividend Champion, Contender, And Challenger Highlights: Week Of June 21SeekingAlpha
Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements
DataTimeframe
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 Revenue176173169——————
Cost of Goods Sold Incl. D&A606470——————
Gross Profit11511098——————
Selling, General and Administrative Excl. Other484641——————
Research and Development
000——————
Other Operating Expense171923——————
Operating Income504534——————
Interest Expense586168——————
Unusual Expense
—————————
Non-Operating Income (Expense)586168——————
Net Income Before Taxes504534——————
Income Taxes896——————
Consolidated Net Income403728——————
Net Income From Continuing Operations403728——————
Net Income403728——————
EPS (Recurring)8.577.625.80——————
EPS (Basic, Before Extraordinaries)8.577.625.80——————
EPS (Diluted)8.557.625.79——————
EBITDA514535——————
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio9.407.4810.83——————
Price To Sales Ratio2.281.651.85——————
Gross Margin65.3463.5857.99——————
Operating Margin28.4126.0120.12——————
Net Margin22.7321.3916.57——————
Shares Outstanding555——————
Market Capitalization402285313——————
Operating Lease Expense
—————————
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Insider Trading Volume
$87.16$77.34$67.52$57.71$47.89● Close Price0.00K45.00K90.00K135.00K180.00KUSD Trades VolumeAugSepOctNovDec2026FebMarAprMayJunJulAug
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
Painter John P IIDirectorAug 05 '26Buy80.5216012,8833,921Aug 05
Gephart LeeAnnEXECUTIVE VICE PRESIDENTJul 09 '26Sale71.52151,073946Jul 09
Gephart LeeAnnEXECUTIVE VICE PRESIDENTJun 25 '26Sale66.52291,929808Jun 25
Guillaume Stephen JSENIOR VICE PRESIDENTMay 29 '26Buy61.78342,1014,718Jun 02
Gephart LeeAnnEXECUTIVE VICE PRESIDENTMay 28 '26Sale64.78241,555837May 28
Painter John P IIDirectorMay 12 '26Buy63.671408,9143,662May 12
Painter John P IIDirectorMar 06 '26Buy61.0067541,1753,412Mar 06
Guillaume Stephen JSENIOR VICE PRESIDENTFeb 27 '26Buy57.06137424,656Mar 02
Guillaume Stephen JSENIOR VICE PRESIDENTNov 28 '25Buy53.10168504,570Dec 01
BLACK RANDALL ECEO & PRESIDENTNov 04 '25Buy54.25221,19444,035Nov 05
BLACK RANDALL ECEO & PRESIDENTNov 03 '25Buy54.1047825,86244,013Nov 04
Guillaume Stephen JSENIOR VICE PRESIDENTAug 31 '25Buy56.96137404,524Sep 02
Freeman Thomas E.DirectorAug 22 '25Sale60.003,000180,00012,569Aug 22
Gephart LeeAnnEXECUTIVE VICE PRESIDENTJul 08 '25Sale59.6414835720Jul 08
Gephart LeeAnnEXECUTIVE VICE PRESIDENTJun 24 '25Sale59.58331,966728Jun 26
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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.