Metrics as of 10/15/2026, 08:32 AM (Berlin time), refresh in progress.
Citizens Financial Services Stock
Citizens Financial Services, Inc.
Company data
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- United States
- CEO
- Randall E. Black
- Employees
- 389
- Market cap
- $377 M
- IPO
- 04/01/1999
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…
Citizens Financial Services stock: price history
1D
-0.7%
1W
-0.8%
1M
-5.1%
6M
+18.4%
YTD
+37.3%
1Y
+39.5%
2Y
+37.9%
5Y
+33.3%
10Y
+76.8%
Next earnings date
Next earnings date
29/10/2026 (in 12 days)
Volatility around earnings
~57% weaker price swings than usual
Citizens Financial Services stock scores
- Valuation
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- Trend
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- Quality
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- Dividend
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- Growth
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- Insider
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- Earnings
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- Revisions
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- Sentiment
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- Short Pressure
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Deterministically calculated from financial metrics, not investment advice. Updated nightly, last on 17/10/2026.
Business model & megatrends
Business model with weaknesses or early megatrend headwind.
2 more assignments (Enabler/Second row) Pro-only.
Citizens Financial Services, Inc. serves as the parent company of First Citizens Community Bank and provides a comprehensive range of financial services to retail customers, businesses, and government entities and institutions. The core business encompasses traditional banking services such as deposit accounts (checking, savings, and certificates of deposit) as well as a diverse portfolio of credit products, ranging from residential mortgages to commercial loans and agricultural and municipal lending. Beyond conventional banking operations, the company offers specialized wealth management, trust services, estate planning, and advisory services in investment and insurance. Business operations are geographically concentrated across several counties in Pennsylvania, New York, and Delaware.
- Revenue model
- Interest spread
- Recurring revenue
- High
- Pricing power
- Strong
- Moat
- Narrow
- Moat type
- Switching costs
- Capital intensity
- High
- Customer concentration
- Unknown
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Analyst assessment of Citizens Financial Services
0
STRONG BUY
2
BUY
0
HOLD
0
SELL
0
STRONG SELL
2
TOTAL · Buy
As of: 30/04/2024
Citizens Financial Services stock metrics
P/E
9.13
P/B
1.06
EV/EBITDA
13.94
RETURN ON EQUITY
2.9%
NET MARGIN
23.4%
DEBT/EQUITY
1.12
DIVIDEND YIELD
2.6%
AS OF
30/06/2026
Free float & liquidity
FREE FLOAT
93.4%
FLOAT SHARES
4,493,992
AVG. DAILY VOLUME (30D)
37,336
Insider transactions (SEC)
LANDY R JOSEPH
GRAHAM ROGER C JR
OSBORNE TERRY B
Behm John D
BOWER JOSEPH B JR
Institutional holders
Dividends & Stock splits
Dividends
Stock splits
Comparable stocks
Frequently asked questions about Citizens Financial Services stock
What does Citizens Financial Services do?
Citizens Financial Services, Inc. is a company in the Financial Services sector, Banks - Regional industry, headquartered in United States.
The CEO is Randall E. Black, the company employs around 389 people.
The IPO was on 04/01/1999; the stock trades on NASDAQ under the ticker CZFS.
What do analysts say about Citizens Financial Services stock?
2 analysts rate the stock, the consensus is Buy (as of 30/04/2024).
This is an external assessment, not a statement by Market Jury.
When does Citizens Financial Services report next?
The next earnings date is 29/10/2026.
Around past earnings, price swings were roughly -57% stronger than usual.
Does Citizens Financial Services pay a dividend?
Yes. The last dividend was US$0.51 per share, ex-date 11/09/2026, paid on 25/09/2026.
The dividend yield is 2.6% (as of 30/06/2026).
Which stocks are comparable to Citizens Financial Services?
Comparable stocks include U.S. Bancorp, PNC Financial Services Group, Truist Financial, Fifth Third Bancorp, M&T Bank, Huntington Bancshares, Citizens Financial Group and Regions Financial.
How can I get Citizens Financial Services stock analyzed?
Clicking "Analyze stock" lets five strategies assess Citizens Financial Services against fixed, published rules and judge it bullish, neutral or bearish. The jury states where it disagrees. A free account starts with 5 credits, a quick check costs 1 credit, a full analysis 2 credits.
Not investment advice. Past performance is not an indicator of future results.