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.
Last Updated: October 21, 2026
Price History
No price data available
Hover for the daily close. The dotted line marks the period open.
CZFS Key Statistics
As of Oct 21, 2026Trading
- Open
- $81.32
- Previous Close
- $80.50
- Day's Range
- 79.79–82.15
- 52-Week Range
- 52.35–84.65
- Volume
- 41.04K
- 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.
- 0.39
Valuation
- Market Cap
- $392.34M
- P/E Ratio
- 9.54
- Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
- 9.26
- P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
- 3.42
- EPS (ttm)Profit attributable to each share over the last twelve months.
- 8.55
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 Outstanding
- 4.81M
- 1-Year Return
- +47.49%
Dividend and dates
- Dividend
- $2.04+2.51%
- Ex-Dividend Date
- September 11, 2026
- Earnings Date
- October 29, 2026estimated
- Avg Volume
- 35.93K
Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.
Key facts
As of October 21, 2026, CZFS closed at $81.57, +47.49% over 1 year.
Citizens Financial Services, Inc. (CZFS) has a market capitalization of $392.34M.
In fiscal 2025, CZFS reported revenue of $112.35M.
CZFS Stock Return by Calendar Year
Citizens Financial Services, Inc. (CZFS) 10-year return: what $10,000 became
- 1 year
- $10,000 $14,749
- +47.49%
- 5 years
- $10,000 $16,002
- +60.02%
- 10 years
- $10,000 $22,074
- +120.74%
If you had invested $10,000 in Citizens Financial Services, Inc. (CZFS) 10 years ago, at the close on October 21, 2016, it would have been worth $22,074 at the close on October 21, 2026: +120.74% in total, +8.24% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.
Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.
| Year | Return |
|---|---|
| 2026 (partial year) | +45.36% |
| 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 October 21, 2026.
CZFS Revenue and Earnings by Fiscal Year
FY ends December| Fiscal year | Revenue | Net income | Net margin |
|---|---|---|---|
| 2025 | $112.35M | $36.57M | 32.6% |
| 2024 | $100.75M | $27.82M | 27.6% |
| 2023 | $91.87M | $17.81M | 19.4% |
| 2022 | $81.87M | $29.06M | 35.5% |
| Fiscal year | Revenue | Gross profit | Operating income | Net income | Net margin |
|---|---|---|---|---|---|
| 2025 | $112.35M | — | — | $36.57M | 32.6% |
| 2024 | $100.75M | — | — | $27.82M | 27.6% |
| 2023 | $91.87M | — | — | $17.81M | 19.4% |
| 2022 | $81.87M | — | — | $29.06M | 35.5% |
Annual figures as reported, in the company's reporting currency. As of December 31, 2025.
CZFS Dividend History
Dividends per share, 2025 · 4 payments
| Year | Dividends per share | Payments | Change |
|---|---|---|---|
| 2026* | $1.52 | 3 | — |
| 2025 | $1.99 | 4 | +1.8% |
| 2024 | $1.95 | 4 | +1.3% |
| 2023 | $1.93 | 4 | +3.1% |
| Year | Dividends per share | Payments | Change |
|---|---|---|---|
| 2026 (partial year) | $1.52 | 3 | — |
| 2025 | $1.99 | 4 | +1.8% |
| 2024 | $1.95 | 4 | +1.3% |
| 2023 | $1.93 | 4 | +3.1% |
| 2022 | $1.87 | 4 | +3.2% |
| 2021 | $1.81 | 4 | −3.4% |
| 2020 | $1.87 | 4 | +7.8% |
| 2019 | $1.74 | 4 | +37.1% |
| 2018 | $1.27 | 3 | −22.0% |
| 2017 | $1.62 | 4 | +302.4% |
| 2016 | $0.40 | 1 | — |
Most recent payment: $0.51 per share, ex-dividend September 11, 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 326 stocks| Metric | CZFS | Banks - Regional median | vs median |
|---|---|---|---|
| P/E | 9.54 | 12.03 | 21% below |
| P/S ratio | 3.42 | 3.58 | 4% below |
| Profit margin | 35.77% | 29.44% | 6.3 pts above |
Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.
Recent News
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
YahooCitizens Financial Services (CZFS) Could Be a Great Choice
YahooWhy Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
YahooDespite Recent Gains, Opportunity Remains With Citizens Financial Services
SeekingAlphaCitizens Financial Services (NASDAQ:CZFS) Falls on Revenue Miss Despite Q2 Earnings Beat
ChartMillCitizens Financial Servs Q2 EPS $2.12 Beats $1.98 Estimate, Sales $29.708M Beat $25.300M Estimate
Benzinga
News provided by third-party sources. Not financial advice.
Analysis
Data-derivedEvery figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.
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