Financial Services
Citizens Financial Services, Inc.(CZFS)
Live Price
Offline$67.96
+2.27% today
1Y Change
+24.56%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $300.00M
- Revenue Growth
- +2.7%
- EPS Growth
- +31.4%
- Dividend Yield
- 3.2%
Coverage: 250 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Financial Services, Inc. (CZFS) is a Financial Services stock with a market cap of $300.00M and listed on NASDAQ. The stock last traded around $67.96 and up 24.6% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of +2.7%, EPS growth of +31.4%, a dividend yield of 3.2%. What stands out right now is revenue +2.7%, EPS +31.4%, free cash flow +10.6% with operating margin 27.7% and ROIC 1.3%. The dividend matters to the case here, with a current yield around 3.2%. Valuation is more restrained than many high-expectation growth names at P/E 7.7 and price/sales 1.7. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CZFS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+2.7% vs +3.4% peer median
Operating Margin
Above sector median
+27.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 29, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +2.7% and EPS at +31.4%, with operating margin around 27.7%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.2%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +2.8% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 29, 2026 | โ | -2.8% | -1.6% | +1.8% |
2026 Jan 29, 2026 | +5.3% | +2.3% | +8.0% | -2.9% |
2025 Oct 30, 2025 | +18.8% | +1.0% | +1.9% | +3.0% |
Benchmark Edge
CZFS vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZFS
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZFS Max Drawdown
-18.98%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZFS and SPY.
Company Overview
Citizens Financial Services, Inc.
NASDAQ
Citizens Financial Services Inc. is a publicly traded bank holding company that primarily provides a full range of banking and financial services to individual consumers, small businesses, and larger commercial entities. As a financial institution, its core function is to offer products such as commercial loans, mortgages, consumer loans, and deposit accounts. Additionally, Citizens Financial Services delivers wealth management and investment advisory services, making it a versatile participant in the financial market. Operating mainly within regional markets, the company plays a critical role in supporting local economies by facilitating access to credit and financial services. Its impact extends into industries like real estate, retail, and small business sectors, where financing and transactional support are essential for growth and sustainability. Citizens Financial Services Inc. is of significant interest within its sector, contributing to the dynamics of regional financial stability and servicing communities with traditional and digital banking solutions. With a history rooted in dependable financial provision, it continues to adapt to evolving market needs, demonstrating resilience and relevance in the ever-changing landscape of the banking industry.
- Leadership
- Mr. Randall E. Black
- Employees
- 386
- Street Address
- 15 South Main Street
- Mailing
- Mansfield, PA, 16933
- Region
- Mansfield, PA, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.7
- EV/EBITDA
- 9.9
- Price/Sales
- 1.7
- Price/Book
- 0.9
Growth
- Revenue
- +2.7%
- EPS
- +31.4%
- Free Cash Flow
- +10.6%
Profitability
- Gross Margin
- 64.8%
- Operating Margin
- 27.7%
- Net Margin
- 22.5%
- ROE
- 11.9%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 0.58
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.