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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Citizens Financial Services stock price history

Citizens Financial Services stock forecast

Citizens Financial Services financial statements

Citizens Financial Services, Inc. (NASDAQ:CZFS): Profit margin
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%
Citizens Financial Services, Inc. (NASDAQ:CZFS): Analyst Estimates
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

Citizens Financial Services, Inc. (NASDAQ:CZFS): Earnings per share (EPS)
2024-10-30 1.38 1.59
3.04%
Yield TTM
Citizens Financial Services, Inc. (NASDAQ:CZFS): Payout ratio
Payout ratio 33.88%
Citizens Financial Services, Inc. (NASDAQ:CZFS): Dividend Yield
2019 2.95%
2020 3.1%
2021 3.11%
2022 2.52%
2023 3.03%
Citizens Financial Services, Inc. (NASDAQ:CZFS): Debt to assets
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%
Citizens Financial Services, Inc. (NASDAQ:CZFS): Cash Flow
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

Citizens Financial Services, Inc. (NASDAQ:CZFS): Employee count
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

Citizens Financial Services, Inc. (NASDAQ:CZFS): Insider trades (number of shares)
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
Monday, 9 December 2024
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Friday, 22 November 2024
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Wednesday, 6 November 2024
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Seeking Alpha
  • 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.

  • When is Citizens Financial Services's next earnings date?

    Citizens Financial Services, Inc. is estimated to report earnings on Tuesday, 28 Oct 2025.

  • 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 6 Sep 2025.

  • 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.

  • What is Citizens Financial Services's stock symbol?

    Citizens Financial Services, Inc. is traded on the NASDAQ under the ticker symbol "CZFS".

  • What is Citizens Financial Services's primary industry?

    Company operates in the Financial Services sector and Banks - Regional industry.

  • 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.

  • 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)
  • How many employees does Citizens Financial Services have?

    As Jul 2024, Citizens Financial Services employs 394 workers, which is 0% less then previous quarter.

  • 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.

  • What is Citizens Financial Services's official website?

    The official website for Citizens Financial Services is firstcitizensbank.com.

  • Where are Citizens Financial Services's headquarters?

    Citizens Financial Services is headquartered at 15 South Main Street, Mansfield, PA.

  • 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.com
Exchange:

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

CIK: 0000739421
ISIN: US1746151042
CUSIP: 174615104