Citizens Financial Services, Inc./$CZFS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 392
- Headquarters
- Mansfield, United States
- Website
- www.firstcitizensbank.com
CZFS Metrics
BasicAdvanced
$408M
9.48
$8.95
0.40
$2.02
2.40%
Price and volume
Market cap
$408M
Beta
0.4
52-week high
$88.88
52-week low
$53.14
Average daily volume
38K
Dividend rate
$2.02
Financial strength
Profitability
Net profit margin (TTM)
36.05%
Operating margin (TTM)
46.46%
Effective tax rate (TTM)
18.19%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
12.66%
Valuation
Price to earnings (TTM)
9.483
Price to revenue (TTM)
3.417
Price to book
1.16
Price to tangible book (TTM)
1.55
Dividend yield (TTM)
2.38%
Forward dividend yield
2.40%
Growth
Revenue change (TTM)
10.97%
Earnings per share change (TTM)
26.06%
3-year revenue growth (CAGR)
13.08%
3-year earnings per share growth (CAGR)
28.43%
10-year earnings per share growth (CAGR)
10.87%
3-year dividend per share growth (CAGR)
2.34%
10-year dividend per share growth (CAGR)
54.48%
Bulls say / Bears say
First-half net income rose 27.9% year on year to $20.6 million as the net interest margin widened to 3.69% from 3.36%. This points to stronger earnings from the bank’s core lending and funding spread. (PR Newswire)
Loans grew 6.8% year on year to June, with growth excluding the student loan portfolio running at an 8.2% annualised pace since year-end. Continued lending growth gives CZFS room to expand interest income if credit quality holds. (PR Newswire)
The bank declared a quarterly dividend of $0.51 in September, and MarketBeat reported a payout ratio of 28.7%. That relatively modest payout leaves earnings headroom to support the distribution. (MarketBeat)
Non-performing assets rose to $43.4 million, or 1.81% of loans, from 1.24% at year-end, largely after several commercial property and construction loans went on non-accrual. Further deterioration could raise credit costs and weigh on earnings. (PR Newswire)
The loan-to-deposit ratio reached 100.02% and borrowings increased by $84.6 million in the first half, while deposits grew only modestly. Greater reliance on borrowed funds could make liquidity more sensitive to funding costs and availability. (PR Newswire)
Commercial real estate loans made up about $1.27 billion of the $2.40 billion loan portfolio, and the company says borrowers’ ability to repay depends substantially on economic conditions in its regional markets. That exposure could leave results vulnerable to a local property or economic downturn. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 17 Oct 2026.
CZFS Financial Performance
Revenues and expenses
CZFS Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing CZFS
Fund name | Fund size | $CZFS weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
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.
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