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CZFS

Citizens Financial Services, Inc

Nov 17 • 02:32PM ET

54.34

-1.83 -3.26 %

Financial • Banks - Regional • USA • NASD

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

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

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Index	RUT	P/E	7.65	EPS (ttm)	7.10	Insider Own	6.25%	Shs Outstand	4.81M	Perf Week	-5.12%
Market Cap	261.17M	Forward P/E	-	EPS next Y	-	Insider Trans	-0.83%	Shs Float	4.51M	Perf Month	-0.95%
Enterprise Value	-	PEG	-	EPS next Q	-	Inst Own	27.15%	Short Float	0.69%	Perf Quarter	-2.41%
Income	34.07M	P/S	1.52	EPS this Y	-	Inst Trans	0.95%	Short Ratio	3.64	Perf Half Y	-13.73%
Sales	171.93M	P/B	0.80	EPS next Y	-	ROA	1.12%	Short Interest	0.03M	Perf YTD	-14.17%
Book/sh	68.18	P/C	-	EPS next 5Y	-	ROE	10.88%	52W High	75.40 -27.93%	Perf Year	-21.70%
Cash/sh	-	P/FCF	10.38	EPS past 3/5Y	-6.53% 2.13%	ROIC	5.61%	52W Low	49.99 8.70%	Perf 3Y	-19.31%
Dividend Est.	-	EV/EBITDA	-	Sales past 3/5Y	25.83% 19.35%	Gross Margin	-	Volatility	3.49% 3.13%	Perf 5Y	-8.99%
Dividend TTM	1.97 (3.63%)	EV/Sales	-	EPS Y/Y TTM	24.43%	Oper. Margin	24.25%	ATR (14)	2.09	Perf 10Y	97.85%
Dividend Ex-Date	Sep 12, 2025	Quick Ratio	-	Sales Y/Y TTM	2.16%	Profit Margin	19.82%	RSI (14)	43.34	Recom	1.00
Dividend Gr. 3/5Y	2.54% 2.81%	Current Ratio	0.03	EPS Q/Q	32.78%	SMA20	-2.53%	Beta	0.46	Target Price	65.00
Payout	33.34%	Debt/Eq	0.85	Sales Q/Q	4.11%	SMA50	-6.22%	Rel Volume	0.36	Prev Close	56.17
Employees	410	LT Debt/Eq	0.85	Earnings	Oct 30 BMO	SMA200	-7.27%	Avg Volume	8.60K	Price	54.34
IPO	Apr 05, 1994	Option/Short	No / Yes	EPS/Sales Surpr.	18.75% -	Trades		Volume	2,403	Change	-3.26%

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

Oct-30-25 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)
11:45AM	Loading…
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)
Aug-27-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
12:00PM	Loading…
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)
09:10AM	Loading…
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.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
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
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

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CZFS

Citizens Financial Services, Inc

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