Citizens Financial Services Inc (CZFS) Stock Price & Analysis
Citizens Financial Services Inc (CZFS) rose 4.73% to USD 74.88 as of July 25, 2026 at 07:38 UTC, according to Nexqual real-time market data.
CZFS last closed at USD 71.5; the session ranged USD 70.36–75 on volume of 15,989 shares. Market capitalization is $359.79M, with a 52-week range of USD 49.99–75 (NCM). Source: Nexqual, July 25, 2026 at 07:38 UTC.
Key Statistics (as of July 25, 2026 at 07:38 UTC)
| Price | USD 74.88 |
|---|---|
| Change | ▲ 4.73% (up) |
| Previous Close | USD 71.5 |
| Open | USD 70.36 |
| Day Range | USD 70.36 – 75 |
| 52-Week Range | USD 49.99 – 75 |
| Volume | 15,989 shares |
| Market Cap | $359.79M |
| Exchange | NCM |
Technical Analysis (CZFS)
Nexqual's technical model rates CZFS "BUY" based on 5 bullish and 1 bearish signals across 125 daily candles, as of July 25, 2026 at 07:38 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 59.55 (neutral) |
| vs SMA50 | Above (USD 68.56) |
| MACD | 1.3 (positive) |
Analyst Ratings (CZFS)
Wall Street analysts rate CZFS "None" based on 1 analysts, with a mean price target of USD 71 (range USD 71–71), per Nexqual as of July 25, 2026 at 07:38 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 1 |
| Mean Target | USD 71 |
| High Target | USD 71 |
| Low Target | USD 71 |
| Buy / Hold / Sell | 1 / 0 / 0 |
Earnings (CZFS)
| Next Earnings Date | 2026-07-29 |
|---|---|
| EPS Estimate | USD 1.98 |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 2.16 vs est 1.98 ▲ beat |
| 2025-12-31 | USD 2.18 vs est 2.07 ▲ beat |
| 2025-09-30 | USD 2.09 vs est 1.76 ▲ beat |
| 2025-06-30 | USD 1.76 vs est 1.6 ▲ beat |
Source: Nexqual, July 25, 2026 at 07:38 UTC.
Financials & Fundamentals (CZFS)
| Total Revenue | $113.47M |
|---|---|
| Revenue Growth (YoY) | +13.60% |
| Gross Margin | +0.00% |
| Operating Margin | +45.73% |
| Profit Margin | +34.66% |
| ROE | +12.07% |
| Total Cash | $44.03M |
| Total Debt | $202.92M |
Source: Nexqual, July 25, 2026 at 07:38 UTC.
Financial Health Score (CZFS)
Nexqual rates Citizens Financial Services Inc's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 07:38 UTC.
| Growth | Solid — Revenue +14% YoY (latest Q) |
|---|---|
| Profitability | Weak — Pre-revenue or very early stage |
| Balance Sheet | Mixed — $44M cash vs $203M debt |
| Cash Flow | Solid — Operating cash flow $44M |
| Efficiency | Mixed — ROE 12%, ROA 1.3% |
Ownership (CZFS)
| Insider Ownership | +6.34% |
|---|---|
| Institutional Ownership | +29.96% |
| Shares Outstanding | 4.80M |
| Float | 4.49M |
| Short % of Float | +1.13% |
Source: Nexqual, July 25, 2026 at 07:38 UTC.
Leadership (CZFS)
Citizens Financial Services Inc is led by Randall E. Black (age 58), President, CEO & Vice Chairman, per Nexqual as of July 25, 2026 at 07:38 UTC.
| President, CEO & Vice Chairman | Randall E. Black (age 58) |
|---|---|
| Executive VP, CFO & Treasurer | Stephen J. Guillaume (age 48) |
| Executive VP & COO | Jeffrey R. White (age 40) |
| Senior EVP, Director of Emerging Markets & Director | David Z. Richards (age 64) |
| Senior VP, CFMP & Director of Marketing of First Citizens National Bank | Kathleen M. Campbell CFMP (age 64) |
Major Backers & Investors (CZFS)
Notable institutional backers of Citizens Financial Services Inc include Citizens & Northern Corp, American Century Companies Inc, Fidelity, according to Nexqual as of July 25, 2026 at 07:38 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Citizens & Northern Corp | 2.98% |
| American Century Companies Inc | 1.98% |
| Fidelity | 1.79% |
| Hudock, Inc. | 1.04% |
| Charles Schwab Investment Management, Inc. | 0.96% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 12.55% |
| Vanguard Group | 11.45% |
| Geode Capital | 2.86% |
| State Street | 2.39% |
| Northern Trust | 0.94% |
Source: Nexqual, July 25, 2026 at 07:38 UTC.
From Citizens Financial Services Inc's Latest SEC 10-K Filing (filed 2026-03-12)
Key Strengths & Strategy (as disclosed to the SEC)
- EFFECT OF GOVERNMENT MONETARY POLICIES The earnings and growth of the banking industry are affected by the credit policies of monetary authorities, including the Federal Reserve System.
- In view of the changing conditions in the national economy and in the money markets, as well as the effect of actions by monetary and fiscal authorities including the Federal Reserve System, no prediction can be made as to possible changes in interest rates, deposit levels, loan demand or their effect on the business and earnings of the Company and the Bank.
Partnerships
- The FRB may disapprove such a purchase or redemption if it determines that the proposal would constitute an unsafe and unsound practice, or would violate any law, regulation, FRB order or directive, or any condition imposed by, or written agreement with, the FRB.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FKYS | First Keystone Corp. | USD 18.6 | ▼ 0.53% |
| CCFN | Muncy Columbia Financial Corpor | USD 28.95 | ▲ 1.51% |
| NWFL | Norwood Financial Corp. | USD 32.63 | ▲ 7.51% |
| CZNC | Citizens & Northern Corp | USD 24.35 | ▲ 5.05% |
| FMBH | First Mid Bancshares, Inc. | USD 51 | ▲ 5.15% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 07:38 UTC. This page is informational and not investment advice.