Citizens Financial Services, Inc./$CZFS
1D1W1MYTD1Y5YMAX
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
- 389
- Headquarters
- Mansfield, United States
- Website
- www.firstcitizensbank.com
CZFS Metrics
BasicAdvanced
$387M
9.42
$8.55
0.38
$2.01
2.53%
Price and volume
Market cap
$387M
Beta
0.38
52-week high
$84.65
52-week low
$52.35
Average daily volume
36K
Dividend rate
$2.01
Financial strength
Dividend payout ratio (TTM)
23.53%
Profitability
Net profit margin (TTM)
35.77%
Operating margin (TTM)
44.41%
Effective tax rate (TTM)
18.69%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
12.32%
Valuation
Price to earnings (TTM)
9.419
Price to revenue (TTM)
3.327
Price to book
1.1
Price to tangible book (TTM)
1.46
Price to free cash flow (TTM)
10.469
Free cash flow yield (TTM)
9.55%
Free cash flow per share (TTM)
7.692
Dividend yield (TTM)
2.50%
Forward dividend yield
2.53%
Growth
Revenue change (TTM)
11.45%
Earnings per share change (TTM)
29.95%
3-year revenue growth (CAGR)
13.90%
3-year earnings per share growth (CAGR)
24.74%
10-year earnings per share growth (CAGR)
10.37%
3-year dividend per share growth (CAGR)
2.42%
10-year dividend per share growth (CAGR)
60.79%
Bulls say / Bears say
First-half net income rose 27.9% year on year to $20.6 million. Net interest income before provisions increased 11.1%, while the tax-equivalent net interest margin widened to 3.69%, lifting return on equity to 11.84%. (PR Newswire)
Loan balances grew 6.8% year on year, with non-student loans growing at an 8.2% annualised rate since December. The board also raised the quarterly dividend by 4% to $0.51 per share, suggesting management is still comfortable returning capital while expanding. (PR Newswire)
The shares remain valued at a modest multiple for a profitable regional bank: WallStreetZen reported a price of $83.09, a 9.72 times P/E ratio and a 1.13 times price-to-book ratio on 15 September. That leaves room for a re-rating if the improved earnings trend persists. (WallStreetZen)
Asset quality deteriorated sharply. Non-performing assets rose to $43.4 million, or 1.81% of loans, after six commercial property relationships and one construction relationship worth about $12.2 million moved to non-accrual status in the first half. (PR Newswire)
The balance sheet is becoming more dependent on wholesale funding. Deposits rose only $17.6 million from year-end, while the loan-to-deposit ratio reached 100.02% and borrowed funds increased by $84.6 million to $394.0 million. (PR Newswire)
Credit losses could still erode the recent earnings improvement. The loan-loss allowance was $23.6 million against $41.0 million of non-performing loans, while specific reserves on commercial loans were only $1.4 million; weaker collateral values or further deterioration could therefore require larger provisions. (PR Newswire, StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 20 Sept 2026.
Upcoming events
Funds containing CZFS
Fund name | Fund size | $CZFS weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 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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