
NASDAQFinancial ServicesBanks - Regional
Latest quote
$79.46
+$0.52 · +0.66%
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
$79.46
+$0.52 · +0.66%
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 $79.46
52-week range
Current $79.46
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 $79.46
52-week range
Current $79.46
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 | 2.1M USD | 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 Oct 9, 2026.
Recent quarterly results
Recent quarterly results
Cash distributions grouped by calendar year; partial years are marked.
$1.99
2025 complete year+9.9% since 2021
2026 partial: $1.52
$1.8102
2,021
$1.8678
2,022
$1.9259
2,023
$1.9503
2,024
$1.99
2,025
$1.52
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Sep 11, 2026 | $0.51Quarterly | Sep 11, 2026 | Sep 25, 2026 |
Dividend | Jun 12, 2026 | $0.51Quarterly | Jun 12, 2026 | Jun 26, 2026 |
Dividend | Mar 13, 2026 | $0.50Quarterly | Mar 13, 2026 | Mar 27, 2026 |
Dividend | Dec 12, 2025 | $0.50Quarterly | Dec 12, 2025 | Dec 26, 2025 |
Dividend | Sep 12, 2025 | $0.50Quarterly | Sep 12, 2025 | Sep 26, 2025 |
Dividend | Jun 13, 2025 | $0.495Quarterly | Jun 13, 2025 | Jun 27, 2025 |
Ex-dividend Sep 11, 2026
$0.51
Quarterly
Record Sep 11, 2026 · Payment Sep 25, 2026
Ex-dividend Jun 12, 2026
$0.51
Quarterly
Record Jun 12, 2026 · Payment Jun 26, 2026
Ex-dividend Mar 13, 2026
$0.50
Quarterly
Record Mar 13, 2026 · Payment Mar 27, 2026
Ex-dividend Dec 12, 2025
$0.50
Quarterly
Record Dec 12, 2025 · Payment Dec 26, 2025
Ex-dividend Sep 12, 2025
$0.50
Quarterly
Record Sep 12, 2025 · Payment Sep 26, 2025
Ex-dividend Jun 13, 2025
$0.495
Quarterly
Record Jun 13, 2025 · Payment Jun 27, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI11.33M0.00%2.3T USD0.03%$379.56-0.39%
iShares Russell 2000 ETFIWM9.99M0.01%77.7B USD0.19%$277.57-0.05%
Avantis U.S. Small Cap Value ETFAVUV5.89M0.02%30.54B USD0.25%$120.13+0.84%
Vanguard Extended Market ETFVXF4.45M0.00%95.4B USD0.05%$233.13-0.15%
Vanguard Russell 2000 ETFVTWO2.14M0.01%18B USD0.06%$112.1-0.10%
Schwab U.S. Small-Cap ETFSCHA1.89M0.01%21.7B USD0.03%$32.66+0.15%
U.S. Small Cap Value Portfolio ETF Class SharesDFSV1.38M0.01%26.69B USD0.33%$38.10+0.82%
iShares Micro-Cap ETFIWC1.16M0.09%1.32B USD0.60%$182.79-0.31%
Vanguard Morningstar Total Stock Market ETFVTI
iShares Russell 2000 ETFIWM
Avantis U.S. Small Cap Value ETFAVUV
Vanguard Extended Market ETFVXF
Vanguard Russell 2000 ETFVTWO
Schwab U.S. Small-Cap ETFSCHA
U.S. Small Cap Value Portfolio ETF Class SharesDFSV
iShares Micro-Cap ETFIWCAI-generated and delayed market data for informational and educational purposes only. Not investment advice.