Next earnings date: 28 Oct 2025
Citizens Financial Services, Inc. – NASDAQ:CZFS
Citizens Financial Services stock price today
$55.38
-8.63
-13.48%
Financial Health
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Citizens Financial Services stock price monthly change
+29.71%
month
Citizens Financial Services stock price quarterly change
+29.71%
quarter
Citizens Financial Services stock price yearly change
-2.02%
year
Citizens Financial Services key metrics
Market Cap | 314.14M |
Enterprise value | 495.81M |
P/E | 11.10 |
EV/Sales | 3.28 |
EV/EBITDA | 19.39 |
Price/Sales | 2.01 |
Price/Book | 1.01 |
PEG ratio | 16.10 |
EPS | 3.69 |
Revenue | 131.28M |
EBITDA | 3.49M |
Income | 17.96M |
Revenue Q/Q | 111.89% |
Revenue Y/Y | 57.34% |
Profit margin | 18.13% |
Oper. margin | 23.52% |
Gross margin | 100% |
EBIT margin | 23.52% |
EBITDA margin | 2.66% |
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Sign up for freeCitizens Financial Services stock price history
Citizens Financial Services stock forecast
Citizens Financial Services financial statements
| Jun 2023 | 20.20M | -4.14M | -20.51% |
|---|---|---|---|
| Sep 2023 | 26.20M | 7.54M | 28.81% |
| Dec 2023 | 41.96M | 7.54M | 17.97% |
| Mar 2024 | 42.91M | 7.02M | 16.37% |
| Mar 2024 | 42.91M | 7.02M | 16.37% |
|---|---|---|---|
| Sep 2025 | 115.39M | 8.31M | 7.21% |
| Oct 2025 | 61.12M | 7.40M | 12.11% |
| Dec 2025 | 64.84M | 8.23M | 12.71% |
Analysts Price target
Financials & Ratios estimates
| 2024-10-30 | 1.38 | 1.59 |
|---|
3.04%
Yield TTM
| Payout ratio | 33.88% |
|---|
| 2019 | 2.95% |
|---|---|
| 2020 | 3.1% |
| 2021 | 3.11% |
| 2022 | 2.52% |
| 2023 | 3.03% |
| Jun 2023 | 2891808000 | 2.62B | 90.9% |
|---|---|---|---|
| Sep 2023 | 2959216000 | 2.69B | 91.12% |
| Dec 2023 | 2984596000 | 2.70B | 90.63% |
| Mar 2024 | 2921103000 | 2.63B | 90.32% |
| Jun 2023 | -7.50M | 123.46M | -97.42M |
|---|---|---|---|
| Sep 2023 | 6.22M | -71.70M | 64.10M |
| Dec 2023 | 10.66M | 9.22M | -10.40M |
| Mar 2024 | 13.13M | 23.42M | -59.76M |
Citizens Financial Services alternative data
| Aug 2023 | 328 |
|---|---|
| Sep 2023 | 317 |
| Oct 2023 | 317 |
| Nov 2023 | 345 |
| Dec 2023 | 345 |
| Jan 2024 | 345 |
| Feb 2024 | 395 |
| Mar 2024 | 395 |
| Apr 2024 | 395 |
| May 2024 | 394 |
| Jun 2024 | 394 |
| Jul 2024 | 394 |
Citizens Financial Services other data
7.74%
+0.07%
of CZFS is owned by hedge funds
307.38K
+2.87K
shares is hold by hedge funds
What is insider trading?
| Period | Buy | Sel |
|---|---|---|
| Feb 2024 | 500 | 0 |
| Apr 2024 | 300 | 0 |
| Aug 2024 | 0 | 500 |
| Nov 2024 | 303 | 121 |
| Transaction | Date | Insider | Security | Shares | Price per share | Total value | Source |
|---|---|---|---|---|---|---|---|
Purchase | GUILLAUME STEPHEN J officer: SENIOR V.. | COMMON CLASS | 13 | $67.08 | $872 | ||
Sale | RICHARDS DAVID Z JR director, officer: EXECUTIVE VI.. | COMMON CLASS | 121 | $69.5 | $8,410 | ||
Purchase | PAINTER JOHN P II director | COMMON CLASS | 290 | $56.65 | $16,429 | ||
Sale | RICHARDS DAVID Z JR director, officer: SENIOR EVP | COMMON CLASS | 500 | $54.87 | $27,435 | ||
Purchase | GUILLAUME STEPHEN J officer: EXECUTIV.. | COMMON CLASS | 300 | $40 | $12,000 | ||
Purchase | BLACK RANDALL E director, officer.. | COMMON CLASS | 100 | $48 | $4,800 | ||
Purchase | BLACK RANDALL E director, officer.. | COMMON CLASS | 400 | $48 | $19,200 | ||
Purchase | LANDY R JOSEPH director | COMMON CLASS | 268 | $47.47 | $12,722 | ||
Purchase | LANDY R JOSEPH director | COMMON CLASS | 500 | $47.5 | $23,750 | ||
Purchase | GUILLAUME STEPHEN J officer: SENIOR V.. | COMMON CLASS | 500 | $44.25 | $22,125 |
| Insider | Compensation |
|---|---|
| Mr. Randall E. Black (1967) Chief Executive Officer, Pres & Director | $629,400 |
Mr. Mickey L. Jones CPA, CPA (1961) Executive Vice President, Chief Operating Officer, Treasurer, Assistant Sec. & Director | $388,710 |
| Mr. Stephen J. Guillaume (1977) Senior Vice President & Chief Financial Officer | $155,190 |
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What's the price of Citizens Financial Services stock today?
One share of Citizens Financial Services stock can currently be purchased for approximately $55.38.
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When is Citizens Financial Services's next earnings date?
Citizens Financial Services, Inc. is estimated to report earnings on Tuesday, 28 Oct 2025.
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Does Citizens Financial Services pay dividends?
Yes, Citizens Financial Services pays dividends and its trailing 12-month yield is 3.05% with 34% payout ratio. The last Citizens Financial Services stock dividend of $0.47 was paid on 27 Sep 2025.
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How much money does Citizens Financial Services make?
Citizens Financial Services has a market capitalization of 314.14M and it's past years’ income statements indicate that its last revenue has increased compared to the previous period by 5.45% to 86.34M US dollars. Citizens Financial Services earned 17.81M US dollars in net income (profit) last year or $1.59 on an earnings per share basis.
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What is Citizens Financial Services's stock symbol?
Citizens Financial Services, Inc. is traded on the NASDAQ under the ticker symbol "CZFS".
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What is Citizens Financial Services's primary industry?
Company operates in the Financial Services sector and Banks - Regional industry.
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How do i buy shares of Citizens Financial Services?
Shares of Citizens Financial Services can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.
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Who are Citizens Financial Services's key executives?
Citizens Financial Services's management team includes the following people:
- Mr. Randall E. Black Chief Executive Officer, Pres & Director(age: 58, pay: $629,400)
- Mr. Mickey L. Jones CPA, CPA Executive Vice President, Chief Operating Officer, Treasurer, Assistant Sec. & Director(age: 64, pay: $388,710)
- Mr. Stephen J. Guillaume Senior Vice President & Chief Financial Officer(age: 48, pay: $155,190)
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How many employees does Citizens Financial Services have?
As Jul 2024, Citizens Financial Services employs 394 workers, which is 0% less then previous quarter.
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When Citizens Financial Services went public?
Citizens Financial Services, Inc. is publicly traded company for more then 26 years since IPO on 4 Jan 1999.
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What is Citizens Financial Services's official website?
The official website for Citizens Financial Services is firstcitizensbank.com.
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Where are Citizens Financial Services's headquarters?
Citizens Financial Services is headquartered at 15 South Main Street, Mansfield, PA.
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How can i contact Citizens Financial Services?
Citizens Financial Services's mailing address is 15 South Main Street, Mansfield, PA and company can be reached via phone at +57 06622121.
Citizens Financial Services company profile:
Citizens Financial Services, Inc.
firstcitizensbank.comExchange:
NASDAQ
Full time employees:
393
Industry:
Banks - Regional
Sector:
Financial Services
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include 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 trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
15 South Main Street
Mansfield, PA 16933
Mansfield, PA 16933
CIK: 0000739421
ISIN: US1746151042
CUSIP: 174615104
