NASDAQ : CZFS

Citizens Financial Services, Inc.

$73.62 USD

-$1.21 (-1.62%)

Volume
11.31K
Average Volume
9.23K
Market Capitalization
$353.74M
P/E Ratio
8.98
Dividend Yield
2.73%
Price Target
Year High
$75.00
Year Low
$49.99
Day High
—
Day Low
—
Payout Ratio
$0.24
Current Ratio
$0.06
Company Overview

NASDAQ

Randall E. Black

Banks - Regional

Financial Services

CZFS

405

US

USD

https://www.firstcitizensbank.com

570 662 2121

174615104

0000739421

Liquidity Metrics

0.58

0.06

0.06

0.02

0.24

Sales & Valuation

$173.24M

2.02

1.03

8.04

9.17

Profitability

$7.62

$36.57M

22.50%

27.70%

11.89%

1.30%

P/E Metrics

8.98

0.23

0.23

Analyst Price Target & Rating

Buy

4/5

2 Analysts

%

Poll Results

About Citizens Financial Services, Inc. (NASDAQ:CZFS) Stock

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.

Best Income Stocks to Buy for July 6th

2026-07-06 10:16:01

CION, ESEA and CZFS made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 6, 2026.

Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why

2026-07-02 09:56:34

Citizens Financial Services (CZFS) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.

5 High-Efficiency Stocks With Strong Profit Potential to Buy Now

2026-07-02 09:25:19

Efficiency-focused screening highlights five stocks with above-industry operating and turnover metrics that may offer strong profit potential.

Best Momentum Stocks to Buy for July 1st

2026-07-01 11:16:06

DK, CZFS, and ALH made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on July 1, 2026.

Best Income Stocks to Buy for July 1st

2026-07-01 04:26:05

CZFS, LIEN and BCAL made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 1, 2026.

Citizens Financial Services Inc. (CZFS) Hit a 52 Week High, Can the Run Continue?

2026-06-29 10:17:09

Citizens Financial Services (CZFS) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

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

2026-06-26 12:46:12

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' Progress Is Impressive

2026-06-22 12:48:08

Citizens Financial Services remains a "Buy" as shares are attractively valued and asset quality is strong. CZFS trades at a forward P/E of 7.8, below peers and book value, with robust ROA (1.34%) and ROE (12.03%). Net interest income and profitability improved, aided by expanding net interest margin and disciplined deposit management.

Frequently Asked Questions

What is the current Citizens Financial Services, Inc. (CZFS) stock price?

Citizens Financial Services, Inc.(NASDAQ:CZFS) stock price is $73.62 in the last trading session. During the trading session, CZFS stock reached the peak price of $75 while $49.99 was the lowest point it dropped to. The percentage change in CZFS stock occurred in the recent session was --1.62% while the dollar amount for the price change in CZFS stock was -$1.21.

CZFS's industry and sector of operation?

The NASDAQ listed CZFS is part of Banks - Regional industry that operates in the broader Financial Services sector.

Who are the executives of CZFS?

Cynthia T. Pazzaglia | Senior Vice President of Human Resources
David Z. Richards Jr. | Senior EVP, Director of Emerging Markets & Director
Jeffrey R. White | Executive VP & COO
Stephen J. Guillaume | Executive VP, CFO & Treasurer
Kathleen Campbell CFMP | Senior Vice President, CFMP & Director of Marketing of First Citizens National Bank

How many employees does CZFS have?

Number of CZFS employees currently stands at 405. CZFS operates from 15 South Main Street, Mansfield, PA 16933, US.

Link for CZFS official website?

Official Website of CZFS is: https://www.firstcitizensbank.com

How do I contact CZFS?

CZFS could be contacted at phone #570 662 2121 and can also be accessed through its website. CZFS operates from 15 South Main Street, Mansfield, PA 16933, US.

How many shares of CZFS are traded daily?

The average number of CZFS shares traded daily for last 3 months was 9.23K.

What is the market cap of CZFS currently?

The market value of CZFS currently stands at $353.74M with its latest stock price at $73.62