Citizens Financial Services, Inc.
CZFS
NASDAQ·Financial Services·Banks - Regional·Mkt cap $398.4M
$82.92
▼ -0.80%
P/E
9.69
Mkt Cap
$398.4M
52-Wk Range
$52.35–$84.65
52-Week Range
$52.35 - $84.65
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 32.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Established regional presence with 30 branches across Pennsylvania, New York, and Delaware since 1932
- Diversified revenue streams from banking, trust services, investment management, and insurance products
- Local decision-making and personalized service differentiating from large national competitors
- Specialized expertise in agricultural, oil & gas, and government lending markets
Bear Case
1 risk
- Low volatility (beta 0.4).
Growth
Revenue decline expected
Expansion of commercial and industrial lending in growing Mid-Atlantic markets
Value
Attractively priced below Commercial Banking peer average
Momentum
Hot
+26.7% over 3m
Quality
Excellent
Excellent business quality
Dividend
Solid
2.42% yield
Smart-money signal
Who's buying CZFS right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 29, 2026
JUL 30, 2026
Reported EPS of $2.12 vs $1.98 consensus (+7.1% surprise). Revenue of $29.7M vs $29.3M expected (+1.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+7.1%
Revenue trend · last 8Q
—
+3%
+6%
+11%
+16%
+70%
+3%
-15%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$25.1M
$26.2M
$42.4M
$42.4M
$44.1M
$44.5M
$43.8M
$36.0M
Margins · last 8Q
Gross
-80.8%
Operating
-35.3%
Profit
28.3%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How CZFS stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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