CZFS

Peers: CZNC NWFL PFIS CHMG FDBC ACNB CCNE FRAF MPB AROW

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

Index	RUT
Market Cap	413.70M
Enterprise Value	-
Income	42.97M
Sales	178.88M
Book/sh	73.16
Cash/sh	-
Dividend Est.	2.02 (2.35%)
Dividend TTM	2.02 (2.35%)
Dividend Ex-Date	Sep 11, 2026
Dividend Gr. 3/5Y	2.47% 1.59%
Payout	25.99%
Employees	405
IPO	Apr 05, 1994

P/E	9.61
Forward P/E	9.76
PEG	-
P/S	2.31
P/B	1.18
P/C	-
P/FCF	13.94
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.08
Debt/Eq	1.46
LT Debt/Eq	1.46
Option/Short	No / Yes

EPS (ttm)	8.95
EPS next Y	8.81
EPS next Q	2.24
EPS this Y	14.17%
EPS next Y	1.26%
EPS next 5Y	-
EPS past 3/5Y	2.36% 3.96%
Sales past 3/5Y	23.01% 16.35%
EPS Y/Y TTM	26.08%
Sales Y/Y TTM	4.04%
EPS Q/Q	19.04%
Sales Q/Q	7.25%
Earnings	Oct 30 BMO
EPS/Sales Surpr.	12.73% -

Insider Own	6.79%
Insider Trans	0.09%
Inst Own	30.65%
Inst Trans	1.10%
ROA	1.33%
ROE	12.66%
ROIC	4.97%
Gross Margin	-
Oper. Margin	29.36%
Profit Margin	24.02%
SMA20	5.55%
SMA50	5.92%
SMA200	21.41%
Trades

Shs Outstand	4.80M
Shs Float	4.48M
Short Float	1.56%
Short Ratio	1.75
Short Interest	0.07M
52W High	88.20 -2.48%
52W Low	53.14 61.86%
Volatility	3.00% 2.47%
ATR (14)	2.22
RSI (14)	68.83
Beta	0.39
Rel Volume	0.00
Avg Volume	39.98K
Volume	0

Perf Week	1.68%
Perf Month	6.32%
Perf Quarter	4.09%
Perf Half Y	42.28%
Perf YTD	50.84%
Perf Year	56.98%
Perf 3Y	65.03%
Perf 5Y	44.68%
Perf 10Y	93.65%
Recom	1.00
Target Price	89.00
Prev Close	86.01
Price	86.01
Change %	0.00%

Consensus

Strong Buy

Avg. Price Target

$89.00

Implied Upside

+3.5%

Analysts1incl. previous ratings

Rating Distribution1 Buy · 0 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Apr 30, 2024	Upgrade	JJanney	Neutral → Buy	$53	-38.4%
Jun 29, 2023	Downgrade	JJanney	Buy → Neutral

Oct-30-26 07:10AM	Citizens Financial Services: Q3 Earnings Snapshot (Associated Press)
07:05AM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2026 FINANCIAL RESULTS (PR Newswire)
Jul-30-26 07:19AM	Citizens Financial Services: Q2 Earnings Snapshot (Associated Press)
07:10AM	CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS (PR Newswire)
Jul-29-26 10:03AM	Earnings To Watch: Citizens Financial Services Inc (CZFS) Q2 2026 -- GF Value Sees 25% Downside (GuruFocus.com)
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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)
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)
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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)
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)
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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)
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)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Guillaume Stephen J	SENIOR VICE PRESIDENT	Aug 31 '26	Buy	76.32	24	1,832	5,094	Sep 01 07:34 AM
Painter John P II	Director	Aug 05 '26	Buy	80.52	160	12,883	3,921	Aug 05 04:03 PM
Gephart LeeAnn	EXECUTIVE VICE PRESIDENT	Jul 09 '26	Sale	71.52	15	1,073	946	Jul 09 07:32 AM
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

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

Executive VPMr. Stephen J. Guillaume

Executive VP & COOMr. Jeffrey R. White

Senior EVPMr. David Z. Richards Jr.

Senior VPMs. Kathleen M. Campbell CFMP

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Citizens Financial Services Inc

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