Citizens Financial Services Inc. CZFS

79.85 0.52 0.66% as of 25 Sep
Market cap
$394.4M
P/E
9.4×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.10
Total sells 0.00
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 3 — — 1 1 — 2 — — 2 —
Sell — — — — — — — 1 1 1 — —
Insider Ownership 6.63%

Capital & Financial Ratios

Market Cap 394.41
Revenue 176.14
Net Income 41.05
Free Cash Flow 36.91
Net Debt 351.27
Current Ratio 1.02
Debt/Equity 1.12
P/E ratio 9.35
P/S ratio 2.18
P/B ratio 1.09
Past 5Y EPS Growth 2.13%
This Y EPS Growth 14.17%
Next Y EPS Growth 1.26%
Next 5Y EPS Growth 9.91%
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield 3.89%
total individual payouts
2027 Powerpack
2026 2.02
0.50
0.51
0.51
2025 1.99
0.50
0.50
0.50
0.50
2024 1.95
0.49
0.49
0.49
0.49
2023 1.92
0.48
0.48
0.49
0.49
2022 1.86
0.46
0.46
0.47
0.47
2021 1.81
0.45
0.45
0.46
0.46
2020 1.85
0.53
0.43
0.44
0.44
2019 1.69
0.42
0.42
0.43
0.43
2018 1.64
0.41
0.41
0.41
0.41
2017 1.56
0.38
0.38
0.40
0.40
2016 1.48
0.37
0.37
0.37
0.37
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 57 46 38 43
Receivables — — — —
Inventory — — — —
Other — — — —
2,305 2,357 2,386 2,436
2023 2024 2025 Q'26
Payables 2,321 2,382 2,377 2,395
ST’ Debt — — — —
Other — — — —
2,326 2,387 2,380 2,398
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 14.95% 16.25% 23.06%
Cash Flow 11.05% 25.31% 3.20%
Earnings 12.14% 7.82% 7.97%
Book Value 10.93% 11.72% 19.09%

Revenue

Mar Jun Sep Dec Year
’26 44 44 — — —
’25 42 42 44 45 174
’24 43 41 42 43 170
’23 27 29 40 42 139
’22 20 22 24 27 93
’21 23 21 21 21 86
’20 17 20 22 22 82
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 18 0 — — —
’25 11 6 3 17 37
’24 13 3 6 10 33
’23 10 (8) 7 16 27
’22 12 3 9 9 33
’21 14 8 11 6 39
’20 5 (10) 3 14 12
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 18 0 — — —
’25 10 5 3 17 35
’24 21 3 6 10 39
’23 10 (9) 7 16 24
’22 12 2 9 8 32
’21 13 8 10 6 38
’20 4 (10) 3 14 11
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 2.16 2.12 — — —
’25 1.60 1.76 2.09 2.18 7.62
’24 1.49 1.11 1.59 1.68 5.85
’23 1.71 (1.01) 1.61 1.60 4.06
’22 1.68 1.72 1.88 1.97 7.25
’21 2.10 1.66 1.75 1.73 7.23
’20 1.24 1.35 1.98 1.80 6.40
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
45.17 48.67 53.88 53.92 34.94 52.90 58.28 42.67 38.52 49.99

Analyst estimates 2026–2028

Powerpack
Low Price
51.41 62.46 64.54 62.36 67.93 63.09 86.27 91.09 75.40 66.72
High Price
270 273 274 268 306 306 328 422 410 405
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
51 57 64 70 82 86 93 139 170 174
Revenue
90.10% 89.71% 85.15% 82.89% 90.08% 91.69% 87.94% 66.22% 60.01% 64.75%
Gross Margin
16 19 21 23 30 35 35 22 34 45
EBT
30.79% 33.58% 33.24% 33.13% 37.16% 41.30% 38.13% 15.55% 19.96% 26.07%
EBT Margin
13 13 18 19 25 29 29 18 28 37
Net Income
3 2 1 1 (2) (1) 1 0 0 (1)
Depreciation
13.67 15.36 17.49 19.17 20.84 21.26 22.95 30.99 35.38 36.16
Revenue/Sh
3.39 3.52 4.89 5.32 6.41 7.23 7.25 4.06 5.86 7.62
Earnings/Sh
4.35 4.26 5.83 5.93 3.01 9.62 8.20 5.93 6.92 7.61
Cash Flow/Sh
0.10 (0.06) (0.14) (0.13) (0.24) (0.27) (0.40) (0.58) 1.22 (0.27)
Capex/Sh
4.45 4.20 5.69 5.80 2.77 9.34 7.79 5.34 8.14 7.35
Free CF/Sh
33.11 34.92 37.77 42.17 49.53 52.82 49.35 62.48 62.48 70.46
Book Value/Sh
4 4 4 4 4 4 4 4 5 5
Shares
14.38 16.89 11.01 11.22 8.54 8.14 10.41 16.28 10.79 7.46
PE Ratio
3.57 3.89 3.08 3.11 2.61 2.77 3.29 2.06 1.79 1.58
PS Ratio
1.47 1.71 1.43 1.42 1.10 1.12 1.53 1.02 1.01 0.81
PB Ratio
4.65 5.40 4.00 3.86 2.69 1.49 5.71 3.97 3.27 3.14
EV/Sales
14.28 19.73 12.28 12.75 20.18 3.38 16.81 23.00 14.22 15.46
EV/FCF
16 16 21 22 12 39 33 27 33 37
Op' Cash Flow
0 0 0 0 (1) (1) (2) (3) 6 (1)
Capex
17 16 21 21 11 38 32 24 39 35
FCF
(185) (82) (79) (72) (97) (219) (99) (21) (29) 6
Working Cap'
80 115 91 85 89 74 257 322 298 309
Total Debt
55 86 59 52 6 (110) 225 265 252 271
Net Debt
123 129 139 155 194 212 200 280 300 338
Sh' Equity
1.06% 1.01% 1.29% 1.35% 1.50% 1.44% 1.30% 0.67% 0.93% 1.20%
ROA
5.50% 5.59% 6.76% 7.17% 10.14% 21.51% 5.26% 3.54% 3.84% 4.64%
ROIC
10.40% 10.33% 13.45% 13.26% 14.38% 14.32% 14.08% 7.42% 9.60% 11.47%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Citizens Financial Services Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Citizens Financial Services Inc. (CZFS) key facts

  • Citizens Financial Services Inc. (CZFS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Citizens Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $173.5 million, up 2.24% from fiscal 2024.
  • Net income was $36.6 million, or $7.62 per share (basic), a net margin of 21.1%.
  • As of September 25, 2026, CZFS traded at $79.85, a market capitalization of $394.4 million.
  • At that price the stock trades at 9.4× trailing-twelve-month earnings and 2.2× sales.
  • Return on equity was 11.5% and debt-to-equity 1.12.

Source: company filings (standardised) and stockrow calculations.

Citizens Financial Services Inc. (CZFS) Latest News

News by impact score

Fine-tune

14 Aug

3

Citizens Financial Services Inc. (CZFS) rating upgraded to Strong Buy. Strong Buy upgrade may lift short-term investor sentiment and share price without altering core operations.

30 Jul

3

Citizens Financial Services Inc. (CZFS) released unaudited second quarter 2026 financial results. Quarterly earnings data directly updates views on CZFS performance and valuation.

29 Apr

4

Citizens Financial Services Inc. reported unaudited first quarter 2026 financial results. Quarterly earnings reports directly impact financial performance metrics and investor sentiment, potentially altering market trajectory.

3

Citizens Financial Services Inc. (CZFS) reported first-quarter earnings and revenue that surpassed analyst estimates. Exceeding Q1 earnings and revenue estimates boosts short-term investor sentiment and financial performance outlook.

9 Feb

4

Citizens Financial Services Inc. (CZFS) is highlighted as a top dividend stock for February 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CZFS's solid fundamentals and growth potential position it well in the current market environment, particularly for those seeking reliable dividend income. CZFS's consistent dividend growth and strong financial performance indicate a significant impact on its future market positioning and investor sentiment.

30 Jan

4

Citizens Financial Services Inc. (CZFS) is highlighted as a potentially strong investment choice due to its solid financial performance, strategic initiatives, and favorable market conditions. The company has demonstrated resilience and growth potential, making it an attractive option for investors seeking stability and returns in the financial sector. Significant strategic initiatives and favorable market conditions are expected to positively influence the company's future performance.

29 Jan

4

Citizens Financial Services Inc. (CZFS) reported Q4 earnings and revenue that exceeded analysts' expectations, showcasing strong financial performance. The company attributed its success to effective management strategies and a robust operational framework, which contributed to improved profitability. This positive outcome reflects the company's resilience in a competitive market and positions it favorably for future growth. Surpassing earnings and revenue estimates indicates significant operational strength and potential for future growth.

4

Citizens Financial Services Inc. reported its Q4 earnings, highlighting key financial metrics and performance indicators. The company demonstrated growth in revenue and net income compared to the previous quarter, driven by increased loan demand and effective cost management strategies. Management provided insights into future expectations and strategic initiatives aimed at enhancing shareholder value. Overall, the results reflect a positive trajectory for the company amidst a competitive banking landscape. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

4

Citizens Financial Services Inc. reported its unaudited financial results for the full year and fourth quarter of 2025, highlighting key metrics such as revenue, net income, and earnings per share. The results indicate a positive trend in financial performance compared to previous periods, reflecting the company's strategic initiatives and market conditions. Management expressed optimism about future growth and operational efficiency. The financial results indicate significant improvements that could influence investor sentiment and the company's strategic direction.

22 Jan

4

Citizens Financial Services Inc. (CZFS) is anticipated to report earnings growth in its upcoming Q4 release. Analysts are optimistic about the company's performance, driven by strong fundamentals and market conditions. Investors are closely monitoring the results for insights into future growth prospects and overall financial health. Earnings growth expectations indicate significant potential for improved financial performance and investor sentiment.

3

Citizens Financial Services Inc. (CZFS) has recently exhibited a golden cross signal, a technical indicator suggesting potential bullish momentum in the stock. This pattern occurs when a short-term moving average crosses above a long-term moving average, often interpreted as a sign for investors to consider buying. Analysts are evaluating whether this signal could lead to a sustained upward trend in CZFS's stock price, prompting discussions about potential investment opportunities. The golden cross signal may influence investor sentiment and stock performance, but its overall effect is expected to be limited.

3

Citizens Financial Services Inc. (CZFS) is facing challenges as finance stocks generally lag behind this year. The performance of CZFS is being compared to its peers, highlighting a trend where financial sector stocks are underperforming. Analysts are examining the implications of this lag on CZFS's market position and future growth prospects, suggesting that the company may need to adapt to changing market conditions to enhance its competitiveness. The underperformance of finance stocks could moderately influence CZFS's financial performance and competitive positioning.

3

Citizens Financial Services Inc. (CZFS) saw its stock price increase by 5.9%, raising questions about the sustainability of this upward trend. Analysts are evaluating the factors contributing to this surge, including market conditions and company performance. Investors are keenly watching for any indicators that could suggest whether this momentum will continue or if it is a temporary spike. The stock price increase indicates moderate investor interest, but it is unclear if this trend will have lasting effects on the company's overall performance.

19 Jan

4

Citizens Financial Services Inc. (CZFS) is highlighted as a promising investment opportunity in the U.S. market for January 2026, showcasing its potential for growth and profitability amidst a landscape of undiscovered gems. The article emphasizes the company's strategic positioning and financial health, suggesting that it could outperform competitors in the coming months. CZFS is positioned for significant growth, indicating a likely major impact on its future performance and market sentiment.

16 Jan

4

Citizens Financial Services Inc. (CZFS) is experiencing a positive trend attributed to strong financial performance, strategic initiatives, and market positioning. The company has shown resilience in a competitive landscape, with growth in key areas such as lending and deposits. Analysts suggest that these developments could lead to sustained momentum, enhancing investor confidence and potentially driving future profitability. Significant strategic initiatives and strong financial performance are likely to alter the company's trajectory and investor sentiment.

13 Jan

3

Citizens Financial Services Inc. (CZFS) is highlighted as one of three undervalued small-cap stocks experiencing insider buying, indicating potential growth and confidence from company executives. The article emphasizes the significance of insider buying as a positive signal for investors, suggesting that these stocks may be undervalued in the current market. The focus on CZFS alongside other companies showcases a broader trend of insider confidence in small-cap stocks across global markets. Insider buying can indicate confidence in the company's future, potentially influencing market sentiment and performance.

8 Jan

3

Citizens Financial Services Inc. (CZFS) is highlighted as a notable dividend stock for January 2026, appealing to investors seeking income-generating investments. The company has a strong track record of dividend payments, making it an attractive option in the current market environment. Analysts suggest that CZFS's consistent performance and commitment to returning value to shareholders position it well for future growth. CZFS's strong dividend history may positively influence investor sentiment and financial performance, but broader market factors could balance the overall impact.

10 Dec

3

Citizens Financial Services Inc. (CZFS) is highlighted as an undervalued small-cap stock with notable insider activity in December 2025. The article explores the implications of this insider trading, suggesting potential growth opportunities for investors. It emphasizes the importance of monitoring insider transactions as indicators of future performance and market sentiment, particularly in the context of small-cap stocks that may be overlooked by larger investors. Insider activity can signal confidence in the company's future, potentially influencing investor sentiment and stock performance.

3

Citizens Financial Services Inc. (CZFS) is highlighted as one of the top dividend stocks to enhance investment portfolios. The company is recognized for its consistent dividend payments and strong financial performance, making it an attractive option for income-focused investors. Analysts emphasize the importance of dividend stocks in providing stability and potential growth in uncertain market conditions. CZFS's solid fundamentals and commitment to returning value to shareholders position it favorably in the current economic landscape. CZFS's recognition as a top dividend stock suggests a moderately noticeable influence on its market performance and investor sentiment.

7 Dec

3

Citizens Financial Services Inc. (CZFS) is set to distribute a dividend, attracting interest from investors. The company has a history of consistent dividend payments, which may appeal to income-focused investors. Analysts suggest that the upcoming dividend could enhance shareholder value and reflect the company's financial health. Investors are encouraged to consider the potential benefits of this dividend in relation to their investment strategies. The upcoming dividend may positively influence investor sentiment and financial performance, but its overall impact is expected to be limited.

19 Nov

4

Citizens Financial Services Inc. (CZFS) provided strategic updates during the Ares Management conference in 2025, focusing on its valuation and future growth prospects. The discussions highlighted key initiatives aimed at enhancing operational efficiency and market positioning, which are expected to influence investor sentiment and financial performance moving forward. Strategic updates presented at the conference are likely to significantly impact the company's future performance and investor sentiment.

4

Citizens Financial Services Inc. (CZFS) is highlighted as a promising investment opportunity in November 2025, showcasing its potential as an undiscovered gem in the U.S. market. The article emphasizes the company's strong fundamentals, growth prospects, and strategic initiatives that position it favorably against competitors. Analysts suggest that CZFS could benefit from favorable market conditions and increased investor interest, making it a noteworthy consideration for those seeking undervalued stocks. Significant strategic initiatives and favorable market conditions could alter the company's trajectory and investor sentiment.

10 Nov

3

Blue Owl is set to present at The Citizens Financial Services Conference, highlighting its strategic initiatives and potential growth opportunities. The presentation aims to engage investors and stakeholders, showcasing the company's vision and market positioning. The presentation may influence investor sentiment and provide insights into strategic initiatives, but its overall effect is expected to be limited.

31 Oct

4

Citizens Financial Services Inc. (CZFS) has reported a significant increase in profit margins, reinforcing its value-focused investment narrative. The company's financial performance highlights its strategic positioning and operational efficiency, attracting positive attention from investors. This leap in profitability is expected to bolster investor confidence and enhance the company's market standing. The substantial increase in profit margins is likely to significantly impact future performance and investor sentiment.

30 Oct

4

Citizens Financial Services Inc. (CZFS) reported Q3 earnings that exceeded analysts' expectations, showcasing strong financial performance. The results reflect effective management strategies and a solid operational framework, contributing to positive investor sentiment. The company continues to demonstrate resilience in a competitive market, positioning itself favorably for future growth. Earnings exceeding estimates indicate significant operational strength and potential for future growth.

4

Citizens Financial Services Inc. reported its Q3 earnings, showcasing a notable performance with increased revenues and net income compared to the previous quarter. The bank highlighted growth in its loan portfolio and improved asset quality, contributing to a stronger financial position. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing customer service and operational efficiency. The reported earnings and growth in key financial metrics indicate significant potential for future performance and investor sentiment.

3

Citizens Financial Services, Inc. reported its unaudited financial results for the third quarter of 2025, highlighting key metrics such as revenue, net income, and earnings per share. The company experienced growth in various segments, reflecting its strategic initiatives and market positioning. Management provided insights into future expectations and ongoing challenges in the financial landscape. The reported financial results indicate moderate growth and performance, which may influence investor sentiment and operational strategies.

22 Oct

3

Citizens Financial Services Inc. (CZFS) is highlighted as a strong dividend stock, alongside two other companies, for investors seeking reliable income sources. The article emphasizes the importance of dividend stocks in a diversified portfolio, particularly in uncertain market conditions. CZFS's financial stability and consistent dividend payments make it an attractive option for income-focused investors. CZFS's status as a reliable dividend stock may moderately influence investor sentiment and financial performance.

15 Oct

4

Citizens Financial Services Inc. (CZFS) is highlighted as a high-growth dividend stock, appealing to investors seeking both income and capital appreciation. The company has demonstrated strong financial performance, with consistent dividend payments and growth potential in its market. Analysts suggest that CZFS's strategic initiatives and robust business model position it well for future success, making it an attractive option for dividend-focused investors. Strong financial performance and growth potential indicate significant impact on future market positioning.

29 Sep

4

Citizens Financial Services Inc. (CZFS) is highlighted as an attractive dividend stock due to its strong financial performance, consistent dividend payments, and a solid track record of growth. The company has demonstrated resilience in its operations, making it a reliable choice for income-focused investors. With a favorable dividend yield and a commitment to returning value to shareholders, CZFS is positioned well in the current market environment. Strong financial performance and consistent dividends indicate significant potential for future growth and investor interest.

stockrow.com/CZFS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com