
Citizens Financial Services, Inc.
CZFSNASDAQFinancial ServicesBanks - Regional
Previous close
$81.70
+$1.27 · +1.58%
CZFS company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
92
Deep Value
Momentum
67
Gaining
Sentiment
73
Bullish
Risk resilience
69
Moderate Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteCitizens 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.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Randall E. Black
- Listed since
- Jan 4, 1999
- Employees
- 389
Market position
Day range
Current $81.70
52-week range
Current $81.70
- Open
- $80.54
- Previous close
- $80.43
- Volume
- 82.34K
- 5.02× average
- Average volume
- 16.42K
- Average daily volume
- Market cap
- 392.56M USD
- Beta
- 0.38
- Market reference 1
- 50-day average
- $74.803
- +9.22% above average
- 200-day average
- $65.0225
- +25.65% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 544.89M USD
- P/E (TTM)
- 9.53×
- P/B (TTM)
- 1.11×
- P/S (TTM)
- 2.23×
- EV / EBITDA
- 12.09×
- Earnings yield
- 13.37%
- Free cash flow yield
- 12.88%
- Dividend yield
- 2.46%
Profitability & efficiency
- Gross margin
- 65.87%
- Operating margin
- 28.62%
- Net margin
- 23.34%
- Return on equity
- 10.82%
- Return on assets
- 1.19%
- Return on invested capital
- 5.34%
Financial health
- Debt / equity
- 1.12×
- Current ratio
- 0.04×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
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 Aug 24, 2026.
CZFS peers
ETFs holding CZFS
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI10.93M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM9.59M0.01%81.62B USD0.19%$299.96+0.77%
Avantis U.S. Small Cap Value ETFAVUV4.64M0.01%31.27B USD0.25%$126.45+0.66%
Vanguard Extended Market ETFVXF4.3M0.00%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN3.49M0.02%14.66B USD0.24%$224.81+0.45%
Vanguard Russell 2000 ETFVTWO2.02M0.01%17.4B USD0.06%$121.25+0.74%
Schwab U.S. Small-Cap ETFSCHA1.88M0.01%23.1B USD0.03%$34.83+0.52%
iShares Micro-Cap ETFIWC1.29M0.09%1.53B USD0.60%$198.39+1.10%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 10.93M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 9.59M
- Weight
- 0.01%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 4.64M
- Weight
- 0.01%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
Vanguard Extended Market ETFVXF- Market value
- 4.3M
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 3.49M
- Weight
- 0.02%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Vanguard Russell 2000 ETFVTWO- Market value
- 2.02M
- Weight
- 0.01%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Schwab U.S. Small-Cap ETFSCHA- Market value
- 1.88M
- Weight
- 0.01%
- AUM
- 23.1B USD
- Expense ratio
- 0.03%
- Price / 1D
- $34.83+0.52%
iShares Micro-Cap ETFIWC- Market value
- 1.29M
- Weight
- 0.09%
- AUM
- 1.53B USD
- Expense ratio
- 0.60%
- Price / 1D
- $198.39+1.10%
Continue in GoAI
Research CZFSresearch.disclaimer





