Citizens Financial Services, Inc./$CZFS
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
About Citizens Financial Services, Inc.
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
Ticker
$CZFS
Sector
Primary listing
Employees
397
Headquarters
Website
CZFS Metrics
BasicAdvanced
$291M
9.20
$6.58
0.46
$1.96
3.27%
Price and volume
Market cap
$291M
Beta
0.46
52-week high
$72.88
52-week low
$47.72
Average daily volume
10K
Dividend rate
$1.96
Financial strength
Dividend payout ratio (TTM)
29.76%
Profitability
Net profit margin (TTM)
30.43%
Operating margin (TTM)
39.72%
Effective tax rate (TTM)
18.10%
Revenue per employee (TTM)
$260,000
Management effectiveness
Return on assets (TTM)
1.07%
Return on equity (TTM)
10.53%
Valuation
Price to earnings (TTM)
9.203
Price to revenue (TTM)
2.79
Price to book
0.93
Price to tangible book (TTM)
1.29
Price to free cash flow (TTM)
9.237
Free cash flow yield (TTM)
10.83%
Free cash flow per share (TTM)
6.557
Dividend yield (TTM)
3.23%
Forward dividend yield
3.27%
Growth
Revenue change (TTM)
5.78%
Earnings per share change (TTM)
15.27%
3-year revenue growth (CAGR)
10.81%
3-year earnings per share growth (CAGR)
-0.83%
10-year earnings per share growth (CAGR)
5.73%
3-year dividend per share growth (CAGR)
2.34%
10-year dividend per share growth (CAGR)
48.65%
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Citizens Financial Services, Inc. stock?
Citizens Financial Services, Inc. (CZFS) has a market cap of $291M as of August 23, 2025.
What is the P/E ratio for Citizens Financial Services, Inc. stock?
The price to earnings (P/E) ratio for Citizens Financial Services, Inc. (CZFS) stock is 9.2 as of August 23, 2025.
Does Citizens Financial Services, Inc. stock pay dividends?
Yes, the Citizens Financial Services, Inc. (CZFS) stock pays dividends to shareholders. As of August 23, 2025, the dividend rate is $1.95539 and the yield is 3.27%. Citizens Financial Services, Inc. has a payout ratio of 29.76% on a trailing twelve-month basis.
When is the next Citizens Financial Services, Inc. dividend payment date?
The next Citizens Financial Services, Inc. (CZFS) dividend payment date is unconfirmed.
What is the beta indicator for Citizens Financial Services, Inc.?
Citizens Financial Services, Inc. (CZFS) has a beta rating of 0.46. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.