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CZFS

Citizens Financial Services, Inc

Dec 26 • 02:28PM ET

66.67

Dollar change +2.17
Percentage change 3.36	%

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 PRFZ AVSC

Scroll to Statements

Index	RUT	P/E	11.57	EPS (ttm)	5.76	Insider Own	6.89%	Shs Outstand	4.76M	Perf Week	6.55%
Market Cap	317.33M	Forward P/E	10.67	EPS next Y	6.25	Insider Trans	-0.07%	Shs Float	4.43M	Perf Month	-9.17%
Income	27.38M	PEG	-	EPS next Q	1.54	Inst Own	24.16%	Short Float	0.94%	Perf Quarter	20.74%
Sales	168.30M	P/S	1.89	EPS this Y	41.30%	Inst Trans	2.52%	Short Ratio	2.07	Perf Half Y	50.16%
Book/sh	62.75	P/B	1.06	EPS next Y	10.04%	ROA	0.91%	Short Interest	0.04M	Perf Year	2.96%
Cash/sh	-	P/C	-	EPS next 5Y	-	ROE	9.75%	52W Range	38.52 - 75.40	Perf YTD	4.04%
Dividend Est.	1.95 (2.92%)	P/FCF	8.84	EPS past 5Y	-3.64%	ROI	5.16%	52W High	-11.58%	Beta	0.55
Dividend TTM	1.95 (2.92%)	Quick Ratio	-	Sales past 5Y	17.57%	Gross Margin	-	52W Low	73.06%	ATR (14)	2.74
Dividend Ex-Date	Dec 13, 2024	Current Ratio	0.03	EPS Y/Y TTM	36.08%	Oper. Margin	19.82%	RSI (14)	47.87	Volatility	4.96% 3.77%
Employees	422	Debt/Eq	0.78	Sales Y/Y TTM	36.70%	Profit Margin	16.27%	Recom	1.00	Target Price	68.00
Option/Short	No / Yes	LT Debt/Eq	0.78	EPS Q/Q	-0.25%	Payout	47.75%	Rel Volume	0.23	Prev Close	64.50
Sales Surprise	-	EPS Surprise	15.22%	Sales Q/Q	5.27%	Earnings	Oct 30 AMC	Avg Volume	20.02K	Price	66.67
SMA20	-3.05%	SMA50	0.29%	SMA200	27.87%	Trades		Volume	3,633	Change	3.36%

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

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)
06:38PM	Loading…
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)
06:34PM	Loading…
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	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
BLACK RANDALL E	CEO & PRESIDENT	Feb 20 '24	Buy	48.00	400	19,200	42,133	Feb 22 11:27 AM
BLACK RANDALL E	CEO & PRESIDENT	Feb 21 '24	Buy	48.00	100	4,800	42,233	Feb 22 11:27 AM

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CZFS

Citizens Financial Services, Inc

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