Citizens Financial Services, Inc. (CZFS) Stock Price & Analysis
Citizens Financial Services, Inc. (CZFS) closed at USD 83.84 on Wednesday, October 28, 2026, down 0.49% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 84.25; the Oct 28, 2026 session ranged USD 82.65–85.08 on volume of 35,112 shares. Market capitalization is $403.26M, with a 52-week range of USD 52.35–86.77 (NCM). Source: Nexqual, retrieved October 29, 2026 at 06:21 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CZFS.md
Key facts (CZFS)
- Last four reported quarters (through Jun 30, 2026): revenue $118M, net income $41.1M (34.8% margin) (SEC filings).
- Valuation: P/E 9.8x (avg 11.5x at the last 3 fiscal year-ends).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (1 analysts), mean target USD 89 (range 89–89).
- Total return with dividends: 1Y +61.2% vs S&P 500 +13.6%; 5Y +64.0% vs S&P 500 +79.8%.
- Next earnings: 2026-10-29, EPS estimate USD 2.2, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CZFS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $78.4M | $81.9M | $91.9M | $102M | $112M | $118M |
| Net income | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M | $41.1M |
| EPS (diluted) | $7.17 | $7.17 | $3.98 | $5.79 | $7.62 | — |
| Free cash flow | $37.6M | $31.6M | $23.9M | $31.9M | $35.2M | $36.9M |
| Net margin | 37.1% | 35.5% | 19.4% | 27.3% | 32.6% | 34.8% |
| Revenue growth | +6.5% | +4.4% | +12.2% | +10.9% | +10.3% | — |
| Cash + short-term investments | $173M | $26.2M | $52.8M | $42.2M | $34.3M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CZFS)
P/E 9.8x · P/S 3.4x · P/FCF 10.9x · P/B 1.1x · FCF yield 9.15% · Earnings yield 10.18% · Dividend yield (paid, TTM) 2.39% · Buyback yield (TTM) 0.09%
P/E at fiscal year-ends: Dec 2025 7.5x, Dec 2024 10.9x, Dec 2023 16.1x.
Analysts (CZFS)
Consensus Buy (mean 2.00 on a 1–5 scale), 1 analysts; mean target USD 89 (low 89, high 89).
Total return (dividends reinvested) (CZFS)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +61.2% | +64.0% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | +61.5% | +10.4% |
| Volatility (annualized) | 32.8% | 38.2% |
| Max drawdown | -13.6% (Feb 2026→Mar 2026) | -54.9% (Jun 2023→Apr 2024) |
CZFS earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $2.12 | $1.98 | Beat +7.1% | — |
| — | Quarter ended Mar 31, 2026 | $2.16 | $1.98 | Beat +9.1% | — |
| — | Quarter ended Dec 31, 2025 | $2.18 | $2.07 | Beat +5.3% | — |
| — | Quarter ended Sep 30, 2025 | $2.09 | $1.76 | Beat +18.8% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
CZFS recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Jul 30, 2026 | 8-K | Quarterly results |
| Jul 27, 2026 | Schedule 13G/A | BlackRock, Inc.: 7.0% of shares, passive 5%+ holder (amended) |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
CZFS company outlook (results filed Jul 30, 2026)
- “The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.”
Quoted word-for-word from the SEC 8-K results press release.
CZFS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $2.20 | $2.02 | +8.9% | $0 | 1 |
| Next quarter (ends Dec 2026) | $2.24 | $2.07 | +8.2% | $0 | 1 |
| Current fiscal year (ends Dec 2026) | $8.72 | $8.23 | +6.0% | $0 | 1 |
| Next fiscal year (ends Dec 2027) | $8.81 | $8.31 | +6.0% | $0 | 1 |
Key Statistics (as of October 29, 2026 at 06:21 UTC)
| Price | USD 83.84 |
|---|---|
| Change | ▼ 0.49% (down) |
| Previous Close | USD 84.25 |
| Open | USD 84.74 |
| Day Range | USD 82.65 – 85.08 |
| 52-Week Range | USD 52.35 – 86.77 |
| Volume | 35,112 shares |
| Market Cap | $403.26M |
| Exchange | NCM |
Technical Analysis (CZFS)
Nexqual's technical model rates CZFS "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 06:21 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 60.47 (neutral) |
| vs SMA50 | Above (USD 80.93) |
| MACD | 1.03 (positive) |
Analyst Ratings (CZFS)
Wall Street analysts rate CZFS "Buy" based on 1 analysts, with a mean price target of USD 89 (range USD 89–89), per Nexqual as of October 29, 2026 at 06:21 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 1 |
| Mean Target | USD 89 |
| High Target | USD 89 |
| Low Target | USD 89 |
| Buy / Hold / Sell | 1 / 0 / 0 |
Earnings (CZFS)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 2.2 |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 2.12 vs est 1.98 ▲ beat |
| 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 |
Source: Nexqual, October 29, 2026 at 06:21 UTC.
Financials & Fundamentals (CZFS)
| Total Revenue | $114.76M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +10.00% |
| Gross Margin | +0.00% |
| Operating Margin | +44.54% |
| Profit Margin | +35.77% |
| ROE | +12.32% |
| Total Cash | $49.51M |
| Total Debt | $397.97M |
Source: Nexqual, October 29, 2026 at 06:21 UTC.
Financial Health Score (CZFS)
Nexqual rates Citizens Financial Services, Inc.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 06:21 UTC.
| Growth | Solid — Revenue +10% YoY (latest Q) |
|---|---|
| Profitability | Strong — Net margin 35% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 12%, ROA 1.3% (last 4 quarters, SEC) |
Ownership (CZFS)
| Insider Ownership | +6.36% |
|---|---|
| Institutional Ownership | +31.54% |
| Shares Outstanding | 4.81M |
| Float | 4.49M |
| Short % of Float | +1.54% |
Source: Nexqual, October 29, 2026 at 06:21 UTC.
Leadership (CZFS)
Citizens Financial Services, Inc. is led by Randall E. Black, President, CEO & Vice Chairman, per Nexqual as of October 29, 2026 at 06:21 UTC.
| President, CEO & Vice Chairman | Randall E. Black |
|---|---|
| Executive VP, CFO & Treasurer | Stephen J. Guillaume |
| Executive VP & COO | Jeffrey R. White |
| Senior EVP, Director of Emerging Markets & Director | David Z. Richards |
| Senior VP, CFMP & Director of Marketing of First Citizens National Bank | Kathleen M. Campbell CFMP |
Major Backers & Investors (CZFS)
Notable institutional backers of Citizens Financial Services, Inc. include Citizens & Northern Corp, Hudock, Inc., Fidelity, according to Nexqual as of October 29, 2026 at 06:21 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Citizens & Northern Corp | 2.98% |
| Hudock, Inc. | 2.02% |
| Fidelity | 1.93% |
| American Century Companies Inc | 1.12% |
| Charles Schwab Investment Management, Inc. | 0.98% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.02% |
| Vanguard Group | 5.93% |
| Geode Capital | 3.05% |
| State Street | 2.36% |
| Northern Trust | 0.95% |
Source: Nexqual, October 29, 2026 at 06:21 UTC.
From Citizens Financial Services, Inc.'s Latest SEC 10-K Filing (filed 2026-03-12)
Key Strengths & Strategy (as disclosed to the SEC)
- 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 |
|---|---|---|---|
| FITB | Fifth Third Bancorp | USD 53.47 | ▼ 0.22% |
| NU | Nu Holdings Ltd. | USD 11.97 | ▼ 3.47% |
| TFC | Truist Financial Corporation | USD 48.42 | ▼ 0.25% |
| DB | Deutsche Bank AG | USD 33.51 | ▲ 4.33% |
| NWG | NatWest Group plc | USD 17.23 | ▲ 2.13% |
| LYG | Lloyds Banking Group Plc | USD 5.5 | ▲ 1.85% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 06:21 UTC. This page is informational and not investment advice.
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