CZFS
Citizens Financial Services, Inc. NASDAQ Listed Jan 4, 1999$71.00
Mkt Cap $340.8M
52w Low $52.42
100.0% of range
52w High $71.00
50d MA $65.51
200d MA $61.36
P/E (TTM)
8.7x
EV/EBITDA
11.4x
P/B
1.0x
Debt/Equity
0.9x
ROE
10.8%
P/FCF
9.7x
RSI (14)
73.90
ATR (14)
$2.16
Beta
0.41
50d MA
$65.51
200d MA
$61.36
Avg Volume
7.0K
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include 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 mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
15 South Main Street · Mansfield, PA 16933 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 29, 2026 | AMC | 1.98 | 2.16 | +9.1% | 64.95 | -0.6% | -2.8% | -2.9% | -1.4% | +4.4% | +1.3% | — |
| Jan 30, 2026 | AMC | 2.07 | 2.18 | +5.3% | 63.25 | -0.9% | +3.3% | +2.0% | +1.4% | -1.2% | -1.6% | — |
| Oct 30, 2025 | AMC | 1.76 | 2.09 | +18.8% | 54.25 | +0.5% | +1.0% | -1.0% | +1.9% | +2.0% | -2.0% | — |
| Jul 30, 2025 | AMC | 1.62 | 1.76 | +8.6% | 53.50 | +1.0% | +0.4% | -2.0% | +1.9% | -0.3% | -1.9% | — |
| Apr 30, 2025 | AMC | 1.49 | 1.60 | +7.4% | 53.89 | -2.4% | -0.6% | +4.4% | +0.9% | +1.3% | -0.0% | — |
| Jan 30, 2025 | AMC | 1.54 | 1.68 | +9.1% | 62.05 | +3.6% | -2.3% | -1.3% | +4.2% | +3.3% | -1.5% | — |
| Oct 30, 2024 | AMC | 1.38 | 1.59 | +15.2% | 59.65 | +3.4% | -3.3% | -2.4% | +4.2% | +5.3% | +15.3% | — |
| Jul 30, 2024 | AMC | 1.32 | 1.30 | -1.5% | 53.60 | -1.1% | -1.2% | -5.3% | -6.0% | -11.5% | +5.5% | — |
| Apr 25, 2024 | AMC | 1.55 | 1.34 | -13.5% | 41.34 | -1.6% | -5.2% | +2.0% | -1.0% | +5.1% | +0.4% | — |
| Jan 30, 2024 | AMC | 1.62 | 1.60 | -1.2% | 59.81 | -1.1% | -4.0% | -2.5% | -3.1% | -2.3% | -1.6% | — |
| Oct 23, 2023 | AMC | 1.57 | 1.67 | +6.4% | 43.38 | +0.6% | +0.0% | +1.2% | +7.7% | -2.0% | +3.6% | — |
| Jul 31, 2023 | AMC | 0.02 | 1.53 | +7750.1% | 69.09 | -3.2% | -0.4% | +0.6% | -2.7% | -1.0% | -2.0% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 30 | Janney Montgomery Scott | Upgrade | Neutral → Buy | — | $39.98 | $41.01 | +2.6% | -1.0% | +5.1% | +0.4% | +3.0% | +10.3% |
| Jun 29 | Janney Montgomery Scott | Downgrade | Buy → Neutral | — | $76.23 | $74.99 | -1.6% | -2.8% | -1.5% | +0.1% | -3.1% | -2.3% |
| Jan 26 | Janney Capital | Upgrade | Neutral → Buy | — | $53.87 | $52.81 | -2.0% | +0.7% | -1.7% | +0.0% | +0.0% | +1.7% |
| Jan 26 | Janney Montgomery Scott | Upgrade | Neutral → Buy | — | $53.87 | $52.81 | -2.0% | +0.7% | -1.7% | +0.0% | +0.0% | +1.7% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| May 29, 2026 | Guillaume Stephen JOff | SENIOR VICE PRESIDENT | Buy | 34 | $61.78 | $2K | 4,718 | -2.72% | +5.18% |
| May 28, 2026 | Gephart LeeAnnOff | EXECUTIVE VICE PRESIDENT | Sell | 24 | $64.78 | $2K | 837 | -1.62% | +2.46% |
| May 12, 2026 | Painter John P IIDir | — | Buy | 140 | $63.67 | $9K | 3,661 | -0.27% | +0.39% |
8-K · 5.02
!!! Very High
Citizens Financial Services, Inc. -- 8-K 5.02: Executive Change
Jun 22
8-K
Citizens Financial Services, Inc. -- 8-K Filing
Citizens Financial Services reported first-quarter 2026 results showing the bank's operational performance and financial health, providing investors with updated earnings data to assess company trajectory.
Apr 29
8-K · 7.01
! Medium
Citizens Financial Services, Inc. -- 8-K 7.01: Regulation FD Disclosure
Citizens Financial Services furnished an investor presentation without disclosing specific material information, leaving investors to review the presentation materials independently for financial updates.
Apr 29
8-K · 5.02
!!! Very High
Citizens Financial Services, Inc. -- 8-K 5.02: Executive Change
Citizens Financial Services shareholders approved executive compensation through a non-binding advisory vote, signaling investor support for current management pay practices.
Apr 22
8-K · 7.01
! Medium
Citizens Financial Services, Inc. -- 8-K 7.01: Regulation FD Disclosure
Citizens Financial Services will present to shareholders at its April 2026 annual meeting, with the presentation materials filed for investor review.
Apr 21
8-K · 8.01
!! High
Citizens Financial Services, Inc. -- 8-K 8.01: Material Event / Announcement
Citizens Financial Services authorized a stock repurchase program, allowing the company to buy back shares through various methods, which typically signals management confidence and may support the stock price.
Feb 18
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|---|---|---|---|---|---|
| 1 | Vanguard Capital Management Llc | 201,701 | $12M | New | Mar 2026 |
| 2 | Hudock, Inc. | 40,787 | $2M | Added | Mar 2026 |
| 3 | Northern Trust Corp | 37,087 | $2M | Added | Mar 2026 |
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| 5 | Segall Bryant & Hamill, Llc | 20,701 | $1M | New | Mar 2026 |
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| 7 | Marshall Wace, Llp | 18,175 | $1M | Added | Mar 2026 |
| 8 | Bank Of New York Mellon Corp | 15,463 | $946K | Reduced | Mar 2026 |
| 9 | Cyndeo Wealth Partners, Llc | 16,185 | $923K | New | Dec 2025 |
| 10 | Quantinno Capital Management Lp | 13,851 | $847K | Added | Mar 2026 |
| 11 | Morgan Stanley | 12,812 | $731K | Added | Dec 2025 |
| 12 | Lawood & Co | 10,726 | $656K | — | Mar 2026 |
| 13 | Great Lakes Advisors, Llc | 8,032 | $491K | Reduced | Mar 2026 |
| 14 | Bank Of America Corp /de/ | 8,017 | $490K | Added | Mar 2026 |
| 15 | Millennium Management | 7,752 | $474K | Reduced | Mar 2026 |
| 16 | Nuveen, Llc | 7,199 | $440K | — | Mar 2026 |
| 17 | Wells Fargo & Company/mn | 5,974 | $365K | New | Mar 2026 |
| 18 | Strs Ohio | 6,400 | $365K | Added | Dec 2025 |
| 19 | Bailard, Inc. | 5,645 | $345K | Reduced | Mar 2026 |
| 20 | Citadel Advisors Llc | 5,422 | $332K | Reduced | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$340.8M
Enterprise Value
$560.6M
P/E (TTM)
8.67x
Forward P/E
9.09x
PEG Ratio
0.24x
P/B
1.01x
P/S
1.95x
P/FCF
9.67x
EV/EBITDA
11.41x
Shares Out
4.8M
Financials (TTM)
Revenue
$174.8M
Net Income
$39.3M
EBITDA
$49.1M
Free Cash Flow
$35.2M
Op Cash Flow
$36.5M
EPS Basic
$7.62
EPS Diluted
$8.19
EPS Forward
$7.81
Gross Margin
64.8%
Op Margin
27.7%
Net Margin
22.5%
Balance Sheet
Total Assets
$3.06B
Total Liab.
$2.73B
Total Equity
$338.1M
Cash
$74.2M
LT Debt
$294.0M
Book Value/Sh
$70.46
Debt/Equity
0.92x
Current Ratio
0.20
Quick Ratio
0.20
Returns & Growth
ROE
10.8%
ROA
1.2%
ROIC
-2.1%
Rev Growth YoY
+2.8%
EPS Growth YoY
+31.4%
Price Returns
2W
+3.9%
1M
+3.0%
3M
+8.3%
6M
+16.4%
12M
+7.4%
Technicals
52W High
$71.00
52W Low
$52.42
50d MA
$65.51
200d MA
$61.36
RSI (14)
73.90
ATR (14)
$2.16
Beta
0.41
Avg Volume
7K
Dividends
Div Rate
$1.99
Div Yield
3.2%
Frequency
4
Ex-Div Date
Mar 13, 2026
Analyst Price Targets
Consensus
—
High
—
Low
—
Median
—
Data updated apr 25, 2026 4:29am
· Source: financialmodelingprep.com