CZFS Citizens Financial Services, Inc. logo

CZFS Citizens Financial Services, Inc.

Financial Services
$63.60-1.82%ClosedMarket Cap: $305.6M

As of 2026-05-25

Valuation

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P/E (TTM)

8.78

PEG

0.28

P/B

0.89

P/S

1.75

EV/EBITDA

9.74

DCF Value

$124.78

FCF Yield

13.9%

Div Yield

3.1%

Margins & Returns

Gross Margin

64.8%

Operating Margin

27.7%

Net Margin

22.5%

ROE

11.9%

ROA

1.3%

ROIC

6.8%

Financials

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PeriodRevenueNet IncomeEPS
Q1 null$43.8M$10.4M$
Q4 null$44.5M$10.5M$
FY null$173.2M$36.6M$
Q3 null$44.1M$10.0M$

Analyst Ratings

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Consensus

Buy

Target (Consensus)

$—

Target (Median)

$—

Target Range

$— - $—

0 Strong Buy1 Buy0 Hold0 Sell0 Strong Sell

Trading Activity

Insider Trades

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Painter John P IIdirector
BuyTue May 12
LANDY R JOSEPHdirector
SellTue May 05
Painter John P IIdirector
SellThu Apr 30
OSBORNE TERRY Bdirector
SellThu Apr 30
LANDY R JOSEPHdirector
SellThu Apr 30

Company Info

Sector

Financial Services

Industry

Banks - Regional

Country

US

Exchange

Beta

0.40

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.

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