stoxline Quote Chart Rank Option Currency Glossary
  
Citizens Financial Services, Inc. (CZFS)
67.51  2.07 (3.16%)    06-09 16:00
Open: 66.35
High: 69
Volume: 7,850
  
Pre. Close: 65.44
Low: 66.35
Market Cap: 324(M)
Technical analysis
2026-06-09 4:44:13 PM
Short term     
Mid term     
Targets 6-month :  80.59 1-year :  94.13
Resists First :  69 Second :  80.59
Pivot price 65.01
Supports First :  63.44 Second :  60
MAs MA(5) :  65.29 MA(20) :  64.55
MA(100) :  63.43 MA(250) :  59.7
MACD MACD :  0.4 Signal :  0.1
%K %D K(14,3) :  75.9 D(3) :  58.1
RSI RSI(14): 64.1
52-week High :  69.58 Low :  48.79
Price, MAs and Bollinger Bands

Price has closed above its short-term moving average. Short-term moving average is currently above mid-term; and above long-term moving average. From the relationship between price and moving averages: This stock is BULLISH in short-term; and BULLISH in mid-long term.
[ CZFS ] has closed Bollinger Bands are 27.5% narrower than normal. The current width of the bands does not suggest anything about the future direction or movement of prices.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 69.01 - 69.25 69.25 - 69.47
Low: 65.67 - 65.97 65.97 - 66.25
Close: 68.33 - 68.77 68.77 - 69.17
Company Description

Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.

Headline News

Tue, 09 Jun 2026
Be Sure To Check Out Citizens Financial Services, Inc. (NASDAQ:CZFS) Before It Goes Ex-Dividend - simplywall.st

Tue, 02 Jun 2026
Insider Buying: Stephen Guillaume Acquires Shares of Citizens Fi - GuruFocus

Tue, 02 Jun 2026
Citizens Financial Services (CZFS) SVP buys 34 shares in open market - Stock Titan

Fri, 29 May 2026
3 Leading Dividend Stocks With Yields Up To 4.6% - Sahm

Thu, 28 May 2026
Citizens Financial (NASDAQ: CZFS) EVP sells small 24-share block in open market - Stock Titan

Thu, 28 May 2026
Citizens financial services EVP sells $1,554 in shares - Investing.com

Financial Analysis
Price to Book Value:
P/BV, a ratio used to compare book value to its current market price, to gauge whether a stock is valued properly.
Neutral
Price to Earnings:
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Neutral
Discounted cash flow:
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Outperform
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Outperform
Return on Equity:
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Outperform
Debt to Equity:
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Underperform
Stock Basics & Statistics
Exchange:
NASDAQ
Sector:
Financial Services
Industry:
Banks - Regional
Shares Out 5 (M)
Shares Float 5 (M)
Held by Insiders 6.3 (%)
Held by Institutions 29.8 (%)
Shares Short 36 (K)
Shares Short P.Month 38 (K)
Stock Financials
EPS 8.18
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 71.5
Profit Margin 34.6 %
Operating Margin 45.7 %
Return on Assets (ttm) 1.2 %
Return on Equity (ttm) 12 %
Qtrly Rev. Growth 13.6 %
Gross Profit (p.s.) 23.63
Sales Per Share 23.63
EBITDA (p.s.) 0
Qtrly Earnings Growth 36 %
Operating Cash Flow 44 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 8.4
PEG Ratio 0
Price to Book value 0.96
Price to Sales 2.91
Price to Cash Flow 7.57
Stock Dividends
Dividend 0.5
Forward Dividend 0
Dividend Yield 0.7%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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