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NASDAQFinancial ServicesBanks - Regional
Latest quote
$82.92
−$0.67 · -0.80%
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.
Previous close
$82.92
−$0.67 · -0.80%
Regular session · ET · Market data may be delayed.
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.
Day range
Current $82.92
52-week range
Current $82.92
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
92
Deep Value
Sentiment
73
Bullish
Risk
31
Moderate Risk
Momentum
67
Gaining
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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.
Day range
Current $82.92
52-week range
Current $82.92
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 173.24M USD | 168.62M USD | 138.72M USD | 93.1M USD | 85.52M USD |
| Cost of goods sold | 63.54M USD | 70.45M USD | 52.39M USD | 12.91M USD | 8.66M USD |
| Gross profit | 109.7M USD | 98.17M USD | 86.34M USD | 80.19M USD | 76.87M USD |
| Selling, general, and administrative | 45.91M USD | 41.34M USD | 36.47M USD | 28.51M USD | 26.42M USD |
| Operating expenses | 64.61M USD | 64.48M USD | 64.82M USD | 44.69M USD | 41.55M USD |
| Interest income | 159.17M USD | 152.77M USD | 125.71M USD | 82.73M USD | 72.84M USD |
| Interest expense | 61.17M USD | 67.86M USD | 46.86M USD | 11.22M USD | 7.11M USD |
| Depreciation and amortization | — | 1.81M USD | 1.52M USD | 1.03M USD | 1.11M USD |
| Operating income | 45.09M USD | 33.68M USD | 21.52M USD | 35.5M USD | 35.32M USD |
| Net income | 36.57M USD | 27.82M USD | 17.81M USD | 29.06M USD | 29.12M USD |
Company facts updated Sep 7, 2026.
Recent quarterly results
Recent quarterly results
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Jun 14, 2017 | 21:20 | — | — |
Stock split | Jun 19, 2013 | 21:20 | — | — |
Stock split | Sep 22, 1997 | 2:1 | — | — |
Effective Jun 14, 2017
21:20
Effective Jun 19, 2013
21:20
Effective Sep 22, 1997
2:1
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI10.93M0.00%2.3T USD0.03%$379.73-0.32%
iShares Russell 2000 ETFIWM10.22M0.01%80.51B USD0.19%$296.01+0.28%
Avantis U.S. Small Cap Value ETFAVUV5.2M0.02%31.49B USD0.25%$126.93+0.52%
Vanguard Extended Market ETFVXF4.3M0.00%93.7B USD0.05%$242.66+0.14%
iShares Russell 2000 Value ETFIWN3.62M0.02%14.61B USD0.24%$224.62+0.40%
Vanguard Russell 2000 ETFVTWO2.02M0.01%17.4B USD0.06%$119.62+0.25%
Schwab U.S. Small-Cap ETFSCHA1.91M0.01%22.93B USD0.03%$34.55+1.01%
iShares Micro-Cap ETFIWC1.36M0.09%1.49B USD0.60%$196.25+0.69%Vanguard Morningstar Total Stock Market ETFVTIiShares Russell 2000 ETFIWMAvantis U.S. Small Cap Value ETFAVUVVanguard Extended Market ETFVXFiShares Russell 2000 Value ETFIWNVanguard Russell 2000 ETFVTWOSchwab U.S. Small-Cap ETFSCHAiShares Micro-Cap ETFIWCAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
