Citizens Financial Services, Inc. (CZFS)
| Market Cap | 303.34M +16.4% |
| Revenue (ttm) | 113.47M +13.6% |
| Net Income | 39.33M +38.4% |
| EPS | 8.19 +38.5% |
| Shares Out | 4.80M |
| PE Ratio | 7.71 |
| Forward PE | 7.79 |
| Dividend | $2.00 (3.17%) |
| Ex-Dividend Date | Mar 13, 2026 |
| Volume | 3,012 |
| Open | 62.64 |
| Previous Close | 63.17 |
| Day's Range | 62.64 - 64.07 |
| 52-Week Range | 49.99 - 69.58 |
| Beta | 0.40 |
| Analysts | n/a |
| Price Target | n/a |
| Earnings Date | Apr 29, 2026 |
About CZFS
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 tr... [Read more]
Financial Performance
In 2025, CZFS's revenue was $109.97 million, an increase of 10.78% compared to the previous year's $99.27 million. Earnings were $36.57 million, an increase of 31.47%.
Financial StatementsNews
Citizens Financial Services reports Q1 EPS $2.16 vs. $1.59 last year
Reports Q1 return on average equity 12.03% compared to 10.00% last year.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTS
MANSFIELD, Pa., April 29, 2026 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated ...
Citizens Financial Services reports Q4 EPS $2.18 vs. $1.66 last year
16:20 EST Citizens Financial Services (CZFS) reports Q4 EPS $2.18 vs. $1.66 last year
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2025 FINANCIAL RESULTS
MANSFIELD, Pa., Jan. 29, 2026 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated f...
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2025 FINANCIAL RESULTS
MANSFIELD, Pa. , Oct. 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated ...
Citizens Financial Services reports Q2 basic EPS $1.76 vs. $1.10 last year
16:50 EDT Citizens Financial Services (CZFS) reports Q2 basic EPS $1.76 vs. $1.10 last year
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2025 FINANCIAL RESULTS
MANSFIELD, Pa. , July 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated ...
Citizens Financial Services reports Q1 EPS $1.60 vs. $1.48 last year
Reports Q1 tax effected net interest margin 3.30% vs. 3.05% for the same period last year. Tangible book value per share was $46.19 from $40.70 at previous quarter end. Published…
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS
MANSFIELD, Pa. , April 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated...
Citizens Financial Services reports Q4 EPS $1.68 vs. $1.59 last year
The tax effected net interest margin for the three months ended December 31, 2024 was 3.26% compared to 3.13% for the same period last year, which was impacted by the…
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTS
MANSFIELD, Pa. , Jan. 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial re...
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTS
MANSFIELD, Penn. , Oct. 30, 2024 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial ...
Citizens Financial Services reports Q2 EPS $1.11 vs. ($1.00) last year
Q2 tax effected net interest margin was 3.15% compared to 3.17% for the same period last year. Tangible Book value per share was $41.49 at period end from $36.69 at…
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2024 FINANCIAL RESULT
MANSFIELD, Pa. , July 30, 2024 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial re...
Janney upgrades ‘undervalued’ Citizens Financial Services to Buy
As previously reported, Janney Montgomery Scott analyst Jake Civiello upgraded Citizens Financial Services to Buy from Neutral with a $53 fair value estimate. Citizens recorded core EPS that missed th...
Citizens Financial Services upgraded to Buy from Neutral at Janney Montgomery Scott
Janney Montgomery Scott analyst Jake Civiello upgraded Citizens Financial Services to Buy from Neutral with a $53 fair value estimate.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2024 FINANCIAL RESULTS
MANSFIELD, Penn. , April 25, 2024 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidat...
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2023 FINANCIAL RESULTS
MANSFIELD, Pa. , Jan. 30, 2024 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial re...
Citizens Financial Services files automatic mixed securities shelf
16:04 EST Citizens Financial Services files automatic mixed securities shelf
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2023 FINANCIAL RESULTS
MANSFIELD, Pa. , Oct. 23, 2023 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial re...
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2023 FINANCIAL RESULTS
MANSFIELD, Pa. , July 31, 2023 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial re...
Factbox: U.S. banks increase reserves for commercial real estate exposure
The U.S. commercial property market has faced severe challenges since the pandemic due to lingering office vacancies, diminished retail activity and higher interest rates. That stress has caused banks...
Citizens Financial Services downgraded to Neutral at Janney on valuation
As previously reported, Janney Montgomery Scott analyst Jake Civiello downgraded Citizens Financial Services to Neutral from Buy with an $80 fair value estimate, citing valuation. The stock has been a...
Citizens Financial Services downgraded to Neutral at Janney Montgomery Scott
Janney Montgomery Scott analyst Jake Civiello downgraded Citizens Financial Services to Neutral from Buy.
Citizens Financial Services, Inc. Announces Completion of Merger with HV Bancorp, Inc.
MANSFIELD, Pa. , June 16, 2023 /PRNewswire/ -- Citizens Financial Services, Inc. (NASDAQ: CZFS) (the "Company" or "CZFS"), the holding company for First Citizens Community Bank ("FCCB"), completed its...