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CZFS

Citizens Financial Services, Inc

Jul 01 • 04:00PM ET

61.21

Dollar change +2.49
Percentage change 4.24	%

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	10.34	EPS (ttm)	5.92	Insider Own	6.23%	Shs Outstand	4.81M	Perf Week	5.59%
Market Cap	294.25M	Forward P/E	9.16	EPS next Y	6.68	Insider Trans	0.11%	Shs Float	4.51M	Perf Month	0.10%
Enterprise Value	-	PEG	-	EPS next Q	1.60	Inst Own	26.36%	Short Float	1.04%	Perf Quarter	5.44%
Income	28.41M	P/S	1.74	EPS this Y	8.65%	Inst Trans	-	Short Ratio	5.26	Perf Half Y	-7.48%
Sales	168.91M	P/B	0.95	EPS next Y	3.37%	ROA	0.96%	Short Interest	0.05M	Perf YTD	-3.32%
Book/sh	64.13	P/C	-	EPS next 5Y	-	ROE	9.62%	52W High	75.40 -18.82%	Perf Year	37.86%
Cash/sh	-	P/FCF	12.58	EPS past 3/5Y	-6.53% 2.13%	ROIC	4.66%	52W Low	39.10 56.55%	Perf 3Y	-8.67%
Dividend Est.	1.96 (3.20%)	EV/EBITDA	-	Sales past 3/5Y	25.83% 19.35%	Gross Margin	-	Volatility	2.03% 2.08%	Perf 5Y	6.33%
Dividend TTM	1.97 (3.21%)	EV/Sales	-	EPS Y/Y TTM	63.45%	Oper. Margin	20.46%	ATR (14)	1.78	Perf 10Y	105.45%
Dividend Ex-Date	Jun 13, 2025	Quick Ratio	-	Sales Y/Y TTM	9.53%	Profit Margin	16.82%	RSI (14)	57.94	Recom	1.00
Dividend Gr. 3/5Y	2.54% 2.81%	Current Ratio	0.03	EPS Q/Q	8.43%	SMA20	4.41%	Beta	0.45	Target Price	64.36
Payout	33.34%	Debt/Eq	0.98	Sales Q/Q	-1.39%	SMA50	4.47%	Rel Volume	3.28	Prev Close	58.72
Employees	410	LT Debt/Eq	0.98	Earnings	Apr 30 BMO	SMA200	1.07%	Avg Volume	8.91K	Price	61.21
IPO	Apr 05, 1994	Option/Short	No / Yes	EPS/Sales Surpr.	7.39% -	Trades		Volume	29,259	Change	4.24%

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

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)
09:50AM	Loading…
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)
09:54PM	Loading…
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.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Gephart LeeAnn	EXECUTIVE VICE PRESIDENT	Jun 24 '25	Sale	59.58	33	1,966	728	Jun 26 09:12 AM
Guillaume Stephen J	EXECUTIVE VICE PRESIDENT	May 30 '25	Buy	58.09	15	871	4,452	Jun 02 07:24 AM
Painter John P II	Director	May 06 '25	Buy	57.40	215	12,341	2,402	May 06 03:50 PM
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

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CZFS

Citizens Financial Services, Inc

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