CZFS logo

CITIZENS FINANCIAL SERVICES

CZFSNASDAQ
πŸ† #3174 by market capEarnings Oct 30US Equity
$78.61β–Ό $1.42 (βˆ’1.81%)
πŸŒ™ After hours$78.61β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
Track CZFS
Get earnings, price moves & breaking news on Telegram
Track
24hβ–Ό 1.8%
7dβ–² 0.5%
14dβ–Ό 3.5%
30dβ–Ό 2.1%
ytdβ–² 41.3%
1yβ–² 31.1%
🏦Market Cap
$378M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.8%
Slowing
πŸ“ŠGross Margin
65.9%
High
πŸ’΅FCF Margin
21.7%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$78.21 – $80.00
52-Week Range
$52.35 – $84.65
Volume
$2.66B
Avg Volume
$2.72B
Shares Outstanding
4.8M
Next Earnings
Nov 13, 2026

Fundamentals Snapshot

Annual Revenue
$173M
Last Q Revenue
$44M
P/E Ratio
9.3
P/S Ratio
2.2x
EPS (TTM)
$8.56
Dividend Yield
2.52%
Dilution (1yr)
+1.0%

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.

CZFS logo

CITIZENS FINANCIAL SERVICES

CZFS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$173Mβ–² +2.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
63.3%β–² +8.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$45Mβ–² +33.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$35Mβ–² +10.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.8Mβ–² +1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$271Mβ–Ό βˆ’$20M YoY
StockOtter Β· stockotter.space

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

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Defense WorldΒ·27d ago

BlackRock Inc. Acquires Shares of 354,551 Citizens Financial Services Inc. $CZFS

BlackRock Inc. bought a new position in Citizens Financial Services Inc. (NASDAQ: CZFS) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund bought 354,5

Zacks Investment ResearchΒ·Aug 31

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?

Seeking AlphaΒ·Aug 30

Despite Recent Gains, Opportunity Remains With Citizens Financial Services

Citizens Financial Services is rated Buy, driven by strong profit growth, operational metrics, and discounted valuation despite recent share price gains. CZFS's Q2 2026 EPS beat expectations, net interest margin expanded

Defense WorldΒ·Aug 24

7,797 Shares in Citizens Financial Services Inc. $CZFS Bought by Great Lakes Advisors LLC

Great Lakes Advisors LLC bought a new stake in Citizens Financial Services Inc. (NASDAQ: CZFS) during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Co

Zacks Investment ResearchΒ·Aug 14

All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy

Citizens Financial Services (CZFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).

Zacks Investment ResearchΒ·Aug 14

Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?