Citizens Financial Services, Inc. (CZFS)

US — Financial Services Sector

Peers: HFBL HMNF OFED CWBC CULL MGYR HVBC FNWD FFNW OVLY AFBI HBCP FBIZ LNKB GSBC

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Key Metrics & Ratings

symbol CZFS
Rev/Share 35.6286
Book/Share 64.8971
PB 0.8675
Debt/Equity 0.9797
CurrentRatio 0.0407
ROIC 0.0438

MktCap 270649301.0
FreeCF/Share 6.0774
PFCF 9.3744
PE 9.4125
Debt/Assets 0.1001
DivYield 0.0349
ROE 0.0953

Rating B
Score 3
Recommendation Neutral
P/E Score 3
DCF Score 3
P/B Score 3
D/E Score 1

Recent Analyst Ratings

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

News

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?

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

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?

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

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?

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

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 Mr. 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.