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StockVS

NASDAQ · Banks - Regional · USD

Citizens Financial Services, Inc. (CZFS) Stock Analysis

Citizens Financial Services, Inc. (CZFS) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

CZFS

$82.92

−$0.67 (−0.80%)

Sep 4, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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CZFS Key Statistics

As of Sep 4, 2026
Trading
Open
$82.73
Previous Close
$83.59
Day's Range
81.99–84.05
52-Week Range
52.35–84.65
Volume
10.20K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.38
Valuation
Market Cap
$398.83M
P/E Ratio
9.78
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
9.41
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.48
EPS (ttm)Profit attributable to each share over the last twelve months.
8.48
Financials (FY)
Revenue (FY)
$112.35M+11.50%
Net Income (FY)
$36.57M+31.47%
Profit marginThe share of revenue left as profit after all costs and taxes.
35.77%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
4.81M
1-Year Return
+38.49%
Dividend and dates
Dividend
$2.04+2.44%
Ex-Dividend Date
June 12, 2026
Earnings Date
October 29, 2026estimated
Avg Volume
25.29K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

CZFS Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+47.76%
2025−6.92%
2024+2.71%
2023−12.32%
2022+31.18%
2021+11.79%
2020−5.47%
2019+14.09%
2018−9.04%
2017+22.51%
2016 (partial year)+9.96%

As of September 4, 2026.

CZFS Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$112.35M$36.57M32.6%
2024$100.75M$27.82M27.6%
2023$91.87M$17.81M19.4%
2022$81.87M$29.06M35.5%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$112.35M——$36.57M32.6%
2024$100.75M——$27.82M27.6%
2023$91.87M——$17.81M19.4%
2022$81.87M——$29.06M35.5%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CZFS Dividend History

$1.99+1.8% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$1.012—
2025$1.994+1.8%
2024$1.954+1.3%
2023$1.934+3.1%
YearDividends per sharePaymentsChange
2026 (partial year)$1.012—
2025$1.994+1.8%
2024$1.954+1.3%
2023$1.934+3.1%
2022$1.874+3.2%
2021$1.814−3.4%
2020$1.874+7.8%
2019$1.744+37.1%
2018$1.273−22.0%
2017$1.624+101.2%
2016$0.812—

Most recent payment: $0.51 per share, ex-dividend June 12, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

CZFS Valuation vs Banks - Regional Median

Median of 380 stocks
MetricCZFSBanks - Regional medianvs median
P/E9.7812.6223% below
P/S ratio3.483.778% below
Profit margin35.77%29.15%6.6 pts above

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Citizens Financial Services, Inc. (CZFS) is capitalised at $398.83M on the latest close. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 388 employees.

The 52-week range on file runs from $52.35 to $84.65. The most recent close on file for CZFS is $82.92, dated September 4, 2026. That is −$0.67 (−0.80%) against the previous close. The latest close sits 58.4% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $112.35M. That is +11.50% against the prior fiscal year, when revenue was $100.75M. Net income for the same year was $36.57M. That is +31.47% against the prior fiscal year. Profit margin runs at 35.77%. That is 6.6 percentage points above the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 8.48.

Across the 4 fiscal years on file, revenue moves from $81.87M in 2022 to $112.35M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

CZFS trades at a trailing price-to-earnings ratio of 9.78. That is 22.5% below the Banks - Regional median of 12.62. The forward P/E on file is 9.41. Measured against sales, the shares trade at 3.48 times revenue. On price-to-sales that is 7.84% below the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.38. Annualized volatility over the trailing 10 years is 32.27%. The trailing one-year price return is +38.49%. Across 10 years the annualized return works out at +9.20%.

Growth & Income

CZFS pays a dividend yielding 2.44%. That is 0.3 percentage points below the Banks - Regional median yield of 2.7%. At the indicated rate that is $2.04 a share a year. The ex-dividend date on file is June 12, 2026. Dividends are recorded for 11 calendar years; 2026 shows 2 payments totalling $1.01 a share. The year before, 2025, totalled $1.99 a share.

The strongest complete calendar year on file is 2022 at +31.18%; the weakest is 2023 at −12.32%. Of the 9 complete calendar years on file, 5 finished higher. 2026 is still running; the price is +47.76% year to date.

Peer Comparison

Citizens Financial Services, Inc. (CZFS) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Citizens Financial Services, Inc. CZFS $398.83M 9.8
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. Citizens Financial Services, Inc. trades at a P/E of 9.8.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About Citizens Financial Services, Inc.

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.

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