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Citizens Financial Services(NASDAQ) CZFS

Market Cap$395.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+2,877%
5 Year+61%
1 Year+62%
1 Month+13%
$81.65
-0.46%
-0.38Today
Citizens Financial Services last closing stock price
MetricPriceDate
Last closeUSD 82.272026-08-06
Citizens Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+7.71%USD 76.382026-07-30
1 month+12.98%USD 72.822026-07-07
3 month+29.93%USD 63.322026-05-08
Year to date+46.6%USD 56.122025-12-31
1 year+62.02%USD 50.782025-08-06
3 year+39.93%USD 58.802023-08-07
5 year+61.21%USD 51.032021-08-06
Since inception+2,877.07%USD 2.761995-07-26

Citizens Financial Services Financials at a Glance

Market Cap

$395.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$175.88M

Net Income (TTM)

$41.05M

EPS (TTM)

$8.55

P/E Ratio

9.62

Dividend

$2.01

Beta (Volatility)

0.53 (Low)

Price

$81.65

Volume

4

Open

$83.00

Previous Close

$82.27

Daily Range

$80.28 - $83.00

52-Week Range

$52.35 - $83.37

Estimated Earnings Date

Oct 29, 2026

CZFS News

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Citizens Financial (CZFS) Q2 EPS Up 60%

Motley Fool Markets TeamAug 1, 2025

CZFS: Motley Fool Moneyball Superscore

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About Citizens Financial Services

Citizens Financial Services helps people manage their money through a local bank. They provide loans to buy homes or start local businesses. The company also keeps savings safe and offers insurance plans.

More Than Just Savings

  • Real Estate Loans: Mortgages for homes and loans for commercial, agricultural, and construction properties.
  • Business Lending: Commercial and industrial loans to help companies fund their operations and equipment.
  • Deposit Services: Checking, savings, and time deposit accounts for individuals, businesses, and local governments.
  • Wealth Management: Professional trust administration, estate planning, and investment management services for individual and institutional clients.
  • Specialized Financial Products: Health and life insurance, annuities, and assistance with oil and gas leasing matters.

Where the Bank Goes

  • Operates thirty full-service banking branches through First Citizens Community Bank in Pennsylvania, New York, and Delaware.
  • Maintains a limited branch office in Union County, Pennsylvania, to reach specific local customers.
  • Provides insurance and financial planning services through First Citizens Insurance Agency to diversify income streams.

The Community Connection

The bank focuses on local relationships by serving governmental and institutional customers alongside individuals. Its operations are concentrated in specific rural and suburban counties, providing deep regional market knowledge.

Digging Into the Data

  • Net income reached $10.4 million for the three months ended March 31, 2026, up 36.2% from 2025.
  • Revenue grew to $43.8 million in Q1 2026, a 3.1% increase over the previous year.
  • Operating income was $12.7 million for the first quarter of 2026, up 35.5% year-over-year.
  • Total deposits increased to $2.44 billion as of March 31, 2026, up from $2.38 billion in late 2025.

The Final Word

Citizens Financial Services has evolved from a local lender into a regional holding company with diversified income. Its growth reflects a balance between traditional interest-based lending and fee-based services like trust and insurance.

AI Generated • May 12, 2026

Industry

Banks

Sector

Financials

Employees

405

CEO

Randall E. Black

Website

www.firstcitizensbank.com

Headquarters

Mansfield, PA 16933, US

CZFS Financials

Key Financial Metrics (TTM)

Gross Margin

65.87%

Operating Margin

28.62%

Net Income Margin

23.34%

Return on Equity

12.05%

Return on Capital

6.96%

Return on Assets

1.29%

Earnings Yield

10.40%

Dividend Yield

2.44%

Payout Ratio

29.38%

Stock Overview

Market Cap

$395.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.81M

Volume

4

Avg. Volume

15.91K

Financials (TTM)

Gross Profit

$115.85M

Operating Income

$50.34M

EBITDA

$51.02M

Operating Cash Flow

$55.55M

Capital Expenditure

$472.00K

Free Cash Flow

$56.02M

Cash & ST Invst.

$30.34M

Total Debt

$394.02M

Citizens Financial Services Performance Analysis

Citizens Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 93,078,0009.4%
20232023-12-31USD 138,557,00048.9%
20242024-12-31USD 169,506,00022.3%
20252025-12-31USD 173,245,0002.2%
Citizens Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.0%
Q42025-12-310.8%
Q12026-03-31-1.6%
Q22026-06-30-0.6%
Citizens Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 7.110.2%
20232023-12-31USD 3.98-43.9%
20242024-12-31USD 5.7444.0%
20252025-12-31USD 7.6232.8%
Citizens Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3018.7%
Q42025-12-314.3%
Q12026-03-31-0.9%
Q22026-06-30-1.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$43.52M

+2.6%

Gross Profit

$29.21M

+10.0%

Gross Margin

67.12%

N/A

Market Cap

$395.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$976.94K

N/A

Employees

405

N/A

Net Income

$10.19M

+20.4%

EBITDA

$12.79M

+17.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$30.34M

-74.0%

Total Debt

$394.02M

+25.8%

Accounts Receivable

$10.92M

+3.0%

Inventory

$0.00

N/A

Long Term Debt

$394.02M

+25.8%

Short Term Debt

$0.00

N/A

Return on Assets

1.29%

N/A

Return on Invested Capital

1.58%

N/A

Free Cash Flow

$17.52M

+219.1%

Operating Cash Flow

$17.93M

+199.6%

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Questions About CZFS

What is the current price of Citizens Financial Services?

Citizens Financial Services is trading at $82.27 per share.

What is the 52-week range for Citizens Financial Services?

Over the past 52 weeks, Citizens Financial Services has traded between $52.35 and $83.37.

How much debt does Citizens Financial Services have?

As of the most recent reporting period, Citizens Financial Services reported total debt of $394.02M.

How much cash does Citizens Financial Services have on hand?

Citizens Financial Services does not have cash on hand data available.

What is Citizens Financial Services’s dividend yield?

Citizens Financial Services currently has a dividend yield of 2.44%.

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