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CZFS

Citizens Financial Services, Inc. (NASDAQ)

Financial Services — Banks - Regional

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

None 1 analysts
$74.13
+$1.69 (+2.33%)
Target: $71.00 (-4.2%)
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Price History

52-Week Range

Fundamentals

Market Cap$356.19M
P/E Ratio (TTM)9.05
Forward P/E8.92
EPS (TTM)$8.19
Dividend Yield2.81%
Profit Margin34.66%
Revenue Growth13.60%
ROE12.07%
Debt/Equity-
Recommendation None
Analyst Target$71.00
Analysts1
Indexes NASDAQ

Technical Indicators

RSI (14)65.6
Beta0.40
SMA 20-
SMA 40-
52-Week High$74.70
52-Week Low$49.99
50-Day Avg$66.08
200-Day Avg$61.60
Avg Volume8.2K
Volume9.9K

Performance Analysis

BULLISH

CZFS shows predominantly bullish signals based on its fundamentals and technicals.

- Trading near its 52-week high ($74.70), which may indicate limited upside.
+ RSI at 65.6 shows positive momentum.
+ Price is above both the 50-day and 200-day moving averages — strong uptrend.
+ P/E of 9.1 suggests the stock may be undervalued.
~ Modest revenue growth of 13.6% year-over-year.
+ Healthy profit margin of 34.7%.
~ Wall Street consensus is "none" from 1 analysts.
- Average analyst target of $71.00 implies 4.2% downside.

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Last updated: Jul 02, 2026 13:05 UTC

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