CZFS

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Index	RUT	P/E	9.01	EPS (ttm)	8.20	Insider Own	6.72%	Shs Outstand	4.80M	Perf Week	8.62%
Market Cap	354.70M	Forward P/E	8.88	EPS next Y	8.31	Insider Trans	0.25%	Shs Float	4.48M	Perf Month	12.19%
Enterprise Value	-	PEG	-	EPS next Q	1.98	Inst Own	29.05%	Short Float	0.88%	Perf Quarter	22.64%
Income	39.33M	P/S	2.03	EPS this Y	8.01%	Inst Trans	0.02%	Short Ratio	5.48	Perf Half Y	25.72%
Sales	174.69M	P/B	1.03	EPS next Y	0.97%	ROA	1.30%	Short Interest	0.04M	Perf YTD	29.46%
Book/sh	71.51	P/C	-	EPS next 5Y	-	ROE	12.07%	52W High	71.87 2.71%	Perf Year	27.80%
Cash/sh	-	P/FCF	8.78	EPS past 3/5Y	2.36% 3.96%	ROIC	7.25%	52W Low	49.99 47.67%	Perf 3Y	-9.63%
Dividend Est.	2.01 (2.72%)	EV/EBITDA	-	Sales past 3/5Y	23.01% 16.35%	Gross Margin	-	Volatility	3.48% 3.17%	Perf 5Y	19.79%
Dividend TTM	2.01 (2.72%)	EV/Sales	-	EPS Y/Y TTM	38.40%	Oper. Margin	27.71%	ATR (14)	2.45	Perf 10Y	71.34%
Dividend Ex-Date	Jun 12, 2026	Quick Ratio	-	Sales Y/Y TTM	3.42%	Profit Margin	22.51%	RSI (14)	70.78	Recom	1.00
Dividend Gr. 3/5Y	2.47% 1.59%	Current Ratio	0.03	EPS Q/Q	36.16%	SMA20	9.82%	Beta	0.36	Target Price	71.00
Payout	25.99%	Debt/Eq	0.58	Sales Q/Q	3.42%	SMA50	12.25%	Rel Volume	11.52	Prev Close	70.99
Employees	405	LT Debt/Eq	0.58	Earnings	Apr 29 BMO	SMA200	20.10%	Avg Volume	7.23K	Price	73.82
IPO	Apr 05, 1994	Option/Short	No / Yes	EPS/Sales Surpr.	9.09% -	Trades		Volume	83,373	Change	3.99%

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

Apr-29-26 09:25AM	Earnings To Watch: Citizens Financial Services Inc (CZFS) Reports Q1 2026 Result (GuruFocus.com)
07:16AM	Citizens Financial Services: Q1 Earnings Snapshot (Associated Press)
07:05AM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTS (PR Newswire)
Mar-04-26 11:45AM	Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio (Zacks)
Feb-16-26 11:45AM	Citizens Financial Services (CZFS) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
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Jan-30-26 11:45AM	Citizens Financial Services (CZFS) Could Be a Great Choice (Zacks)
Jan-29-26 05:45PM	Citizens Financial Services (CZFS) Surpasses Q4 Earnings and Revenue Estimates (Zacks)
04:50PM	Citizens Financial Services: Q4 Earnings Snapshot (Associated Press Finance)
04:18PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2025 FINANCIAL RESULTS (PR Newswire)
Jan-28-26 05:35PM	Merchants Bancorp (MBIN) Tops Q4 Earnings and Revenue Estimates (Zacks)
Jan-22-26 05:45PM	Midland States Bancorp (MSBI) Misses Q4 Earnings Estimates (Zacks)
10:00AM	Citizens Financial Services (CZFS) Earnings Expected to Grow: What to Know Ahead of Q4 Release (Zacks)
09:55AM	Citizens Financial Services (CZFS) Just Flashed Golden Cross Signal: Do You Buy? (Zacks)
09:40AM	Are Finance Stocks Lagging Citizens Financial Services (CZFS) This Year? (Zacks)
09:02AM	Citizens Financial Services (CZFS) Stock Jumps 5.9%: Will It Continue to Soar? (Zacks)
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Jan-16-26 08:55AM	Citizens Financial Services (CZFS) is on the Move, Here's Why the Trend Could be Sustainable (Zacks)
Oct-30-25 10:05AM	Citizens Financial Services (CZFS) Q3 Earnings Top Estimates (Zacks)
08:58AM	Citizens Financial Services: Q3 Earnings Snapshot (Associated Press Finance)
08:50AM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2025 FINANCIAL RESULTS (PR Newswire)
Oct-21-25 06:20PM	Pathward Financial (CASH) Q4 Earnings Beat Estimates (Zacks)
Oct-15-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Sep-29-25 11:45AM	Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now (Zacks)
Sep-24-25 05:43AM	Best Income Stocks to Buy for September 24th (Zacks)
Sep-12-25 11:45AM	Citizens Financial Services (CZFS) Could Be a Great Choice (Zacks)
Sep-10-25 05:56AM	New Strong Buy Stocks for September 10th (Zacks)
05:15AM	Best Value Stocks to Buy for September 10th (Zacks)
04:10AM	Best Income Stocks to Buy for September 10th (Zacks)
Sep-09-25 09:10AM	Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks (Zacks)
Sep-08-25 05:37AM	New Strong Buy Stocks for September 8th (Zacks)
03:17AM	Best Income Stocks to Buy for September 8th (Zacks)
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Aug-27-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Aug-22-25 12:00PM	Citizens Financial Services (CZFS) Upgraded to Strong Buy: What Does It Mean for the Stock? (Zacks) +5.89%
Aug-19-25 08:52AM	Best Value Stocks to Buy for August 19th (Zacks)
Aug-11-25 11:45AM	Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now (Zacks)
06:18AM	Best Value Stocks to Buy for August 11th (Zacks)
03:30AM	Best Income Stocks to Buy for August 11th (Zacks)
Aug-05-25 08:44AM	Best Value Stocks to Buy for August 5th (Zacks)
08:01AM	Best Income Stocks to Buy for August 5th (Zacks)
Jul-30-25 06:35PM	Citizens Financial Services (CZFS) Q2 Earnings and Revenues Surpass Estimates (Zacks)
05:37PM	Citizens Financial Services: Q2 Earnings Snapshot (Associated Press Finance)
04:15PM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2025 FINANCIAL RESULTS (PR Newswire)
Jul-28-25 05:55PM	LINKBANCORP, Inc. (LNKB) Matches Q2 Earnings Estimates (Zacks) -5.02%
Jul-25-25 11:45AM	Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio (Zacks)
Jul-24-25 05:45PM	Byline Bancorp (BY) Q2 Earnings and Revenues Beat Estimates (Zacks)
Jul-09-25 11:45AM	Citizens Financial Services (CZFS) Could Be a Great Choice (Zacks)
Jun-23-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Jun-10-25 09:10AM	3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
Jun-06-25 11:45AM	Citizens Financial Services (CZFS) Could Be a Great Choice (Zacks)
May-21-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
May-05-25 11:45AM	Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now (Zacks)
Apr-30-25 09:50AM	Citizens Financial Services (CZFS) Beats Q1 Earnings Estimates (Zacks)
08:40AM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS (PR Newswire)
Apr-18-25 11:45AM	Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio (Zacks)
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)
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)
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.

PresidentMr. Randall E. Black

Senior VPMs. Kathleen M. Campbell CFMP

Senior Vice President of Human ResourcesMs. Cynthia T. Pazzaglia

Senior VP & Southcentral Market ExecutiveMarina Smalanaskas

Corporate SecretaryMs. Gina Marie Boor

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Gephart LeeAnn	EXECUTIVE VICE PRESIDENT	Jun 25 '26	Sale	66.52	29	1,929	808	Jun 25 07:05 AM
Guillaume Stephen J	SENIOR VICE PRESIDENT	May 29 '26	Buy	61.78	34	2,101	4,718	Jun 02 10:23 AM
Gephart LeeAnn	EXECUTIVE VICE PRESIDENT	May 28 '26	Sale	64.78	24	1,555	837	May 28 03:30 PM
Painter John P II	Director	May 12 '26	Buy	63.67	140	8,914	3,662	May 12 03:19 PM
Painter John P II	Director	Mar 06 '26	Buy	61.00	675	41,175	3,412	Mar 06 01:22 PM
Guillaume Stephen J	SENIOR VICE PRESIDENT	Feb 27 '26	Buy	57.06	13	742	4,656	Mar 02 08:34 AM
Guillaume Stephen J	SENIOR VICE PRESIDENT	Nov 28 '25	Buy	53.10	16	850	4,570	Dec 01 09:54 AM
BLACK RANDALL E	CEO & PRESIDENT	Nov 04 '25	Buy	54.25	22	1,194	44,035	Nov 05 10:50 AM
BLACK RANDALL E	CEO & PRESIDENT	Nov 03 '25	Buy	54.10	478	25,862	44,013	Nov 04 07:31 AM
Guillaume Stephen J	SENIOR VICE PRESIDENT	Aug 31 '25	Buy	56.96	13	740	4,524	Sep 02 11:51 AM
Freeman Thomas E.	Director	Aug 22 '25	Sale	60.00	3,000	180,000	12,569	Aug 22 02:33 PM
Gephart LeeAnn	EXECUTIVE VICE PRESIDENT	Jul 08 '25	Sale	59.64	14	835	720	Jul 08 02:45 PM

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Citizens Financial Services Inc

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