CITIZENS FINANCIAL SERVICES
CZFSNASDAQTrading Snapshot
- Day Range
- $78.21 β $80.00
- 52-Week Range
- $52.35 β $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
- 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.
CITIZENS FINANCIAL SERVICES
CZFSAbout 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 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)Analyst Ratings
βLatest News & Updates

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

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?

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

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

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).

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?