Citizens Financial Services, Inc. (CZFS)

US — Financial Services Sector

Peers: PBHC FCCO LNKB CCFN FKYS NWFL CZNC

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Key Metrics & Ratings

symbol CZFS
Rev/Share 34.0457
Book/Share 65.3765
PB 0.8749
Debt/Equity 0.9986
CurrentRatio 0.0
ROIC 0.025

MktCap 274978132.0
FreeCF/Share 6.0177
PFCF 9.5244
PE 8.6835
Debt/Assets 0.1056
DivYield 0.0344
ROE 0.1036

Rating B+
Score 3
Recommendation Neutral
P/E Score 3
DCF Score 5
P/B Score 3
D/E Score 2

Recent Analyst Ratings

Type	Ticker	Analyst Firm	Previous Rating	Current Rating	Previous Price Target	Current Price Target	Date
No ratings available.

News

Citizens Financial Services (CZFS) Upgraded to Strong Buy: What Does It Mean for the Stock?

CZFS
Published: August 22, 2025 by: Zacks Investment Research
Sentiment: Positive

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).

image for news Citizens Financial Services (CZFS) Upgraded to Strong Buy: What Does It Mean for the Stock?

Best Value Stocks to Buy for August 19th

BYD, CZFS, NTR
Published: August 19, 2025 by: Zacks Investment Research
Sentiment: Positive

BYD, NTR and CZFS made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 19, 2025.

image for news Best Value Stocks to Buy for August 19th

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

CZFS
Published: August 11, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

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

Best Value Stocks to Buy for August 11th

CZFS, MPAA, OPFI
Published: August 11, 2025 by: Zacks Investment Research
Sentiment: Positive

MPAA, OPFI and CZFS made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 11, 2025.

image for news Best Value Stocks to Buy for August 11th

Best Income Stocks to Buy for August 11th

BHB, CZFS, FMAO
Published: August 11, 2025 by: Zacks Investment Research
Sentiment: Positive

BHB, CZFS and FMAO made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 11, 2025.

image for news Best Income Stocks to Buy for August 11th

Best Value Stocks to Buy for August 5th

CZFS, HCSG, HPE
Published: August 05, 2025 by: Zacks Investment Research
Sentiment: Positive

HPE, HCSG and CZFS made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 5, 2025.

image for news Best Value Stocks to Buy for August 5th

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

CZFS
Published: July 25, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

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

Citizens Financial Services (CZFS) Could Be a Great Choice

CZFS
Published: July 09, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

image for news Citizens Financial Services (CZFS) Could Be a Great Choice

Are You Looking for a High-Growth Dividend Stock?

CZFS
Published: June 23, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

image for news Are You Looking for a High-Growth Dividend Stock?

Citizens Financial Services (CZFS) Could Be a Great Choice

CZFS
Published: June 06, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

Are You Looking for a High-Growth Dividend Stock?

CZFS
Published: May 21, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

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

CZFS
Published: May 05, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

Citizens Financial Services (CZFS) Beats Q1 Earnings Estimates

CZFS
Published: April 30, 2025 by: Zacks Investment Research
Sentiment: Positive

Citizens Financial Services (CZFS) came out with quarterly earnings of $1.60 per share, beating the Zacks Consensus Estimate of $1.49 per share. This compares to earnings of $1.49 per share a year ago.

image for news Citizens Financial Services (CZFS) Beats Q1 Earnings Estimates

CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS

CZFS
Published: April 30, 2025 by: PRNewsWire
Sentiment: Neutral

MANSFIELD, Pa. , April 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three months ended March 31, 2025.

image for news CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS

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

CZFS
Published: April 18, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

Citizens Financial Services (CZFS) is a Top Dividend Stock Right Now: Should You Buy?

CZFS
Published: April 02, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

image for news Citizens Financial Services (CZFS) is a Top Dividend Stock Right Now: Should You Buy?

Citizens Financial Services (CZFS) Could Be a Great Choice

CZFS
Published: March 17, 2025 by: Zacks Investment Research
Sentiment: Positive

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?

About Citizens Financial Services, Inc. (CZFS)

IPO Date 1999-01-04
Website https://www.firstcitizensbank.com
Industry Banks - Regional
CEO Randall E. Black
Employees 379

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.