CZFS Citizens Financial Services, Inc.
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. 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 founded in 1984 and is headquartered in Mansfield, Pennsylvania.…
Industry Peers
Banks - RegionalKey Statistics
About Citizens Financial Services (NASDAQ: CZFS)
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Citizens Financial Services (NASDAQ: CZFS) is listed on Nasdaq, where its shares trade in USD. It belongs to the Banks - Regional industry, part of the Financial Services sector, and reports about 391 employees.
The shares were at 85.15 USD on 13 November 2026, up 56.4% over 52 weeks. Its 52-week range is 53.14 USD to 88.51 USD: the price is 3.8% below the high and 60.2% above the low.
At a market capitalisation of 409.63M USD, it trades at 9.5 times trailing earnings and 9.7 times forward earnings. The median trailing P/E of its 20 largest Banks - Regional peers is 11.1, a discount of 14% for CZFS. It pays a dividend yielding 2.40% (it pays out 23% of its earnings), against a median of 4.09% among the dividend payers in that peer group.
Citizens Financial Services reports return on equity of 10.8%, an operating margin of 46.4% and revenue up 10.8% year over year.
Its debt exceeds its cash by 479.29M USD, a debt-to-equity ratio of 0.87. Its Piotroski F-score is 5 out of 9, an average reading of its financial health. One analyst covers the stock, with an average rating of Strong Buy; their mean price target of 94.00 USD is 10.4% above the current price. The next earnings report is expected on 28 January 2027.