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CZFS

Citizens Financial Services, Inc

Apr 16 • 11:20AM ET

55.60

Dollar change +0.32
Percentage change 0.58	%

Financial • Banks - Regional • USA • NASD

Peers: HBAN RF FNB UBSI FULT WAL OZK TMP WSBC NBHC

| Held by: VTI IWM VXF IWN VTWO SCHA AVUV IWC SMLV AVSC

Scroll to Statements

Index	RUT	P/E	9.50	EPS (ttm)	5.85	Insider Own	6.93%	Shs Outstand	4.76M	Perf Week	-3.15%
Market Cap	264.62M	Forward P/E	8.24	EPS next Y	6.75	Insider Trans	0.09%	Shs Float	4.43M	Perf Month	-6.29%
Income	27.82M	PEG	-	EPS next Q	1.49	Inst Own	26.24%	Short Float	1.32%	Perf Quarter	-11.72%
Sales	169.51M	P/S	1.56	EPS this Y	6.49%	Inst Trans	8.68%	Short Ratio	5.08	Perf Half Y	-3.03%
Book/sh	62.97	P/B	0.88	EPS next Y	5.47%	ROA	0.92%	Short Interest	0.06M	Perf Year	26.05%
Cash/sh	-	P/C	-	EPS next 5Y	-	ROE	9.60%	52W Range	38.52 - 75.40	Perf YTD	-12.18%
Dividend Est.	2.00 (3.60%)	P/FCF	8.86	EPS past 5Y	2.13%	ROI	8.31%	52W High	-26.26%	Beta	0.42
Dividend TTM	1.96 (3.52%)	Quick Ratio	-	Sales past 5Y	20.28%	Gross Margin	-	52W Low	44.32%	ATR (14)	3.08
Dividend Ex-Date	Mar 14, 2025	Current Ratio	0.03	EPS Y/Y TTM	51.03%	Oper. Margin	19.87%	RSI (14)	46.27	Volatility	7.33% 5.87%
Employees	410	Debt/Eq	1.03	Sales Y/Y TTM	22.34%	Profit Margin	16.41%	Recom	1.00	Target Price	70.00
Option/Short	No / Yes	LT Debt/Eq	0.12	EPS Q/Q	5.76%	Payout	33.34%	Rel Volume	0.10	Prev Close	55.28
Sales Surprise	-	EPS Surprise	9.09%	Sales Q/Q	2.87%	Earnings	Jan 30 AMC	Avg Volume	11.51K	Price	55.60
SMA20	-2.40%	SMA50	-5.55%	SMA200	-4.55%	Trades		Volume	369	Change	0.58%

Date	Action	Analyst	Rating Change	Price Target Change
Apr-30-24	Upgrade	Janney	Neutral → Buy	$53
Jun-29-23	Downgrade	Janney	Buy → Neutral

Apr-10-25 08:14AM	Webster Financial (WBS) Moves 11.6% Higher: Will This Strength Last? (Zacks)
Apr-02-25 11:45AM	Citizens Financial Services (CZFS) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
Mar-22-25 12:31AM	Dividend Champion, Contender, And Challenger Highlights: Week Of March 23 (SeekingAlpha)
Jan-30-25 04:25PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTS (PR Newswire)
Oct-30-24 04:15PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTS (PR Newswire)
10:52PM	Loading…
Jul-30-24 10:52PM	CZFS Stock Earnings: Citizens Financial Servs Misses EPS, Beats Revenue for Q2 2024 (InvestorPlace)
04:15PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2024 FINANCIAL RESULT (PR Newswire)
Apr-25-24 09:54PM	CZFS Stock Earnings: Citizens Financial Servs Misses EPS, Beats Revenue for Q1 2024 (InvestorPlace) -5.15%
04:15PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2024 FINANCIAL RESULTS (PR Newswire)
Jan-30-24 06:38PM	/C O R R E C T I O N -- CITIZENS FINANCIAL SERVICES, INC./ (PR Newswire)
04:15PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2023 FINANCIAL RESULTS (PR Newswire)
Oct-23-23 10:07AM	Citizens Financial Services Q3 EPS Declines (RTT News)
09:32AM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2023 FINANCIAL RESULTS (PR Newswire)
Oct-06-23 12:00PM	Citizens Financial Services (CZFS) Upgraded to Strong Buy: Here's Why (Zacks)
Jul-31-23 04:10PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2023 FINANCIAL RESULTS (PR Newswire)
04:32PM	Loading…
Jun-16-23 04:32PM	Citizens Financial Services, Inc. Announces Completion of Merger with HV Bancorp, Inc. (PR Newswire)
Jun-13-23 09:22AM	Citizens Financial Services, Inc. Announces Preliminary Results of Merger Consideration Elections Regarding Pending HV Bancorp, Inc. Merger (PR Newswire) -6.76%
Jun-09-23 09:00AM	Exchange Ratio Finalized for Citizens Financial Services, Inc. Pending HV Bancorp, Inc. Merger (PR Newswire)
May-09-23 09:00AM	Citizens Financial Services, Inc. and HV Bancorp, Inc. Announce Election Deadline (PR Newswire)
Apr-27-23 06:34PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2023 FINANCIAL RESULTS (PR Newswire)
Apr-10-23 04:05PM	Citizens Financial Services, Inc. Announces Receipt of Regulatory Approvals for the Acquisition of HV Bancorp, Inc. (PR Newswire)

Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company was founded in 1984 and is headquartered in Mansfield, PA.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Guillaume Stephen J	EXECUTIVE VICE PRESIDENT	Feb 28 '25	Buy	57.45	13	747	4,077	Mar 03 09:52 AM
Painter John P II	Director	Feb 03 '25	Buy	60.00	110	6,600	2,088	Feb 04 01:55 PM
Guillaume Stephen J	SENIOR VICE PRESIDENT	Nov 29 '24	Buy	67.08	13	872	4,008	Dec 02 10:07 AM
RICHARDS DAVID Z JR	EXECUTIVE VICE PRESIDENT	Nov 20 '24	Sale	69.50	121	8,410	1,457	Nov 21 08:29 AM
Painter John P II	Director	Nov 04 '24	Buy	56.65	290	16,428	1,904	Nov 04 02:31 PM
RICHARDS DAVID Z JR	SENIOR EVP	Aug 30 '24	Sale	54.87	500	27,435	1,565	Aug 30 03:34 PM
Guillaume Stephen J	EXECUTIVE VICE PRESIDENT	Apr 30 '24	Buy	40.00	300	12,000	3,586	Apr 30 11:36 AM

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CZFS

Citizens Financial Services, Inc

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