Symbols / CZFS Stock $68.98 -0.03% Citizens Financial Services, Inc.

Financial Services • Banks - Regional • United States • NCM
CZFS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
About

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 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 provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

Fundamentals
Scroll to Statements
Market Cap 331.60M Enterprise Value 612.91M Income 36.57M Sales 109.97M Book/sh 70.32 Cash/sh 9.37
Dividend Yield 2.90% Payout 26.05% Employees 373 IPO — P/E 9.05 Forward P/E 8.70
PEG — P/S 3.02 P/B 0.98 P/C — EV/EBITDA — EV/Sales 5.57
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 7.62 EPS next Y 7.93
EPS Growth 31.30% Revenue Growth 9.70% Earnings 2026-05-07 ROA 1.20% ROE 11.47% ROIC —
Gross Margin 0.00% Oper. Margin 46.84% Profit Margin 33.26% Shs Outstand 4.81M Shs Float 4.50M Short Float 1.10%
Short Ratio 4.22 Short Interest — 52W High 69.58 52W Low 49.99 Beta 0.41 Avg Volume 10.46K
Volume 4.19K Target Price $69.00 Recom None Prev Close $69.00 Price $68.98 Change -0.03%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$69.00
Mean price target
2. Current target
$68.98
Latest analyst target
3. DCF / Fair value
$114.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$68.98
Low
$69.00
High
$69.00
Mean
$69.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2024-04-30 up Janney Montgomery Scott Neutral → Buy —
2023-06-29 down Janney Montgomery Scott Buy → Neutral $80
2021-01-26 up Janney Montgomery Scott Neutral → Buy $63
News
RSS: Latest CZFS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-19 LANDY ROBERT JOSEPH Director — 20 $0.00 $0
2026-03-06 PAINTER JOHN P II Director — 675 $61.00 $41,175
2026-02-27 GUILLAUME STEPHEN J Officer — 13 $57.06 $742
2026-01-12 LANDY ROBERT JOSEPH Director — 40 $0.00 $0
2025-12-22 BLACK RANDALL E Chief Executive Officer — 1,552 $0.00 $0
2025-12-22 GEPHART LEEANN Officer — 172 $0.00 $0
2025-12-15 OSBORNE TERRY B Director — 96 $0.00 $0
2025-12-15 GRAHAM ROGER C JR Director — 96 $0.00 $0
2025-12-15 JONES MICKEY L Director — 96 $0.00 $0
2025-12-15 FREEMAN THOMAS E. Director — 96 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
112.34
+11.50%
100.75
+9.68%
91.86
+12.21%
81.87
Operating Revenue
112.34
+11.50%
100.75
+9.68%
91.86
+12.21%
81.87
Selling General And Administration
41.11
-0.56%
41.34
+13.38%
36.47
+27.89%
28.51
General And Administrative Expense
41.11
-0.56%
41.34
+13.38%
36.47
+27.89%
28.51
Salaries And Wages
39.40
+0.14%
39.35
+12.45%
34.99
+25.70%
27.84
Other Gand A
—
—
1.78
+23.37%
1.45
Reconciled Depreciation
2.10
+16.50%
1.81
+18.82%
1.52
+47.14%
1.03
Total Unusual Items
0.00
-100.00%
1.10
+111.89%
-9.27
-3074.32%
-0.29
Total Unusual Items Excluding Goodwill
0.00
-100.00%
1.10
+111.89%
-9.27
-3074.32%
-0.29
Special Income Charges
0.00
-100.00%
1.10
+111.89%
-9.27
-3074.32%
-0.29
Restructuring And Mergern Acquisition
0.00
0.00
-100.00%
9.27
+3074.32%
0.29
Net Income
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Pretax Income
45.24
+33.51%
33.88
+57.05%
21.57
-39.22%
35.49
Net Interest Income
96.30
+13.42%
84.91
+7.68%
78.85
+10.27%
71.51
Interest Expense
61.17
-9.87%
67.86
+44.82%
46.86
+317.52%
11.22
Interest Income
157.47
+3.08%
152.77
+21.52%
125.71
+51.95%
82.73
Gain On Sale Of Security
0.07
-53.79%
0.14
+174.36%
-0.20
+25.29%
-0.26
Gain On Sale Of Business
0.00
-100.00%
1.10
0.00
0.00
Tax Provision
8.67
+42.89%
6.07
+61.13%
3.76
-41.51%
6.43
Tax Rate For Calcs
0.00
+7.26%
0.00
+2.29%
0.00
-3.31%
0.00
Tax Effect Of Unusual Items
0.00
-100.00%
0.20
+112.16%
-1.62
-2969.09%
-0.05
Net Income Including Noncontrolling Interests
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Net Income From Continuing Operation Net Minority Interest
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Net Income From Continuing And Discontinued Operation
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Net Income Continuous Operations
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Normalized Income
36.57
+35.89%
26.91
+5.72%
25.46
-13.11%
29.30
Net Income Common Stockholders
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Diluted EPS
—
5.79
+45.53%
3.98
-43.98%
7.10
Basic EPS
—
5.80
+45.78%
3.98
-43.98%
7.10
Basic Average Shares
—
4.80
+7.31%
4.47
+9.31%
4.09
Diluted Average Shares
—
4.80
+7.43%
4.47
+9.31%
4.09
Diluted NI Availto Com Stockholders
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Amortization
0.48
-15.25%
0.56
+51.21%
0.37
+139.10%
0.16
Amortization Of Intangibles Income Statement
0.48
-15.25%
0.56
+51.21%
0.37
+139.10%
0.16
Depreciation Amortization Depletion Income Statement
0.48
-15.25%
0.56
+51.21%
0.37
+139.10%
0.16
Depreciation And Amortization In Income Statement
0.48
-15.25%
0.56
+51.21%
0.37
+139.10%
0.16
Insurance And Claims
1.71
-14.33%
2.00
+35.32%
1.48
+118.20%
0.68
Occupancy And Equipment
6.51
+7.55%
6.05
+22.37%
4.95
+33.54%
3.70
Other Non Interest Expense
14.29
-3.61%
14.83
+26.23%
11.75
+13.08%
10.39
Professional Expense And Contract Services Expense
2.34
-9.93%
2.60
+32.47%
1.96
+19.56%
1.64
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,064.56
+1.28%
3,025.72
+1.69%
2,975.32
+27.51%
2,333.39
Cash And Cash Equivalents
38.11
-17.19%
46.02
-19.10%
56.89
+76.31%
32.27
Other Short Term Investments
36.05
-91.53%
425.91
+1.99%
417.60
-4.98%
439.51
Receivables
10.70
+3.79%
10.31
-6.66%
11.04
+50.61%
7.33
Accounts Receivable
10.70
+3.79%
10.31
-6.66%
11.04
+50.61%
7.33
Net PPE
21.00
-1.86%
21.39
+0.05%
21.38
+21.37%
17.62
Gross PPE
40.25
+0.44%
40.07
+2.20%
39.21
+14.22%
34.33
Accumulated Depreciation
-19.25
-3.07%
-18.68
-4.78%
-17.82
-6.67%
-16.71
Land And Improvements
5.84
+0.00%
5.84
+0.00%
5.84
+3.04%
5.67
Buildings And Improvements
22.97
-0.18%
23.01
+0.28%
22.95
+9.29%
21.00
Machinery Furniture Equipment
9.44
+4.33%
9.05
+6.45%
8.50
+13.14%
7.51
Construction In Progress
2.00
-7.97%
2.17
+13.07%
1.92
+1172.19%
0.15
Goodwill And Other Intangible Assets
87.98
-0.76%
88.65
-0.85%
89.41
+173.85%
32.65
Goodwill
85.76
+0.00%
85.76
+0.00%
85.76
+173.32%
31.38
Other Intangible Assets
2.22
-23.20%
2.89
-20.77%
3.65
+186.95%
1.27
Investments And Advances
446.56
+4.42%
427.66
+1.94%
419.54
-5.02%
441.71
Total Liabilities Net Minority Interest
2,726.51
+0.02%
2,725.99
+1.13%
2,695.66
+26.36%
2,133.25
Payables And Accrued Expenses
3.13
-33.30%
4.69
+9.19%
4.30
+248.86%
1.23
Payables
3.13
-33.30%
4.69
+9.19%
4.30
+248.86%
1.23
Accounts Payable
3.13
-33.30%
4.69
+9.19%
4.30
+248.86%
1.23
Current Debt And Capital Lease Obligation
0.00
-100.00%
7.57
-39.77%
12.57
—
Current Debt
0.00
-100.00%
7.57
-39.77%
12.57
—
Long Term Debt And Capital Lease Obligation
293.95
+7.75%
272.81
+0.51%
271.42
+5.50%
257.28
Long Term Debt
293.95
+7.75%
272.81
+0.51%
271.42
+5.50%
257.28
Stockholders Equity
338.05
+12.78%
299.73
+7.18%
279.67
+39.73%
200.15
Common Stock Equity
338.05
+12.78%
299.73
+7.18%
279.67
+39.73%
200.15
Capital Stock
5.26
+0.92%
5.21
+0.91%
5.16
+16.55%
4.43
Common Stock
5.26
+0.92%
5.21
+0.91%
5.16
+16.55%
4.43
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
5.26
-0.07%
5.26
-0.09%
5.26
+15.40%
4.56
Ordinary Shares Number
4.81
0.00%
4.81
+0.12%
4.80
+17.35%
4.09
Treasury Shares Number
0.45
-0.82%
0.45
-2.25%
0.46
-1.58%
0.47
Additional Paid In Capital
147.97
+2.06%
144.98
+1.22%
143.23
+77.03%
80.91
Retained Earnings
213.62
+12.76%
189.44
+9.52%
172.97
+4.88%
164.92
Gains Losses Not Affecting Retained Earnings
-12.38
+47.38%
-23.52
+5.58%
-24.91
+24.83%
-33.14
Treasury Stock
16.42
+0.22%
16.38
-2.45%
16.79
-1.07%
16.97
Other Equity Adjustments
-12.38
+47.38%
-23.52
+5.58%
-24.91
+24.83%
-33.14
Total Equity Gross Minority Interest
338.05
+12.78%
299.73
+7.18%
279.67
+39.73%
200.15
Total Capitalization
632.00
+10.38%
572.54
+3.89%
551.09
+20.48%
457.43
Invested Capital
632.00
+8.94%
580.12
+2.92%
563.66
+23.22%
457.43
Total Debt
293.95
+4.84%
280.38
-1.27%
283.99
+10.38%
257.28
Net Debt
255.84
+9.16%
234.36
+3.19%
227.10
+0.93%
225.01
Net Tangible Assets
250.07
+18.47%
211.08
+10.95%
190.26
+13.59%
167.50
Tangible Book Value
250.07
+18.47%
211.08
+10.95%
190.26
+13.59%
167.50
Available For Sale Securities
410.50
+23397.54%
1.75
-9.86%
1.94
-12.23%
2.21
Cash Cash Equivalents And Federal Funds Sold
38.11
-17.19%
46.02
-19.10%
56.89
+76.31%
32.27
Derivative Product Liabilities
4.10
-29.52%
5.82
-26.57%
7.92
-18.55%
9.73
Line Of Credit
0.00
-100.00%
7.57
-39.77%
12.57
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
36.53
+10.10%
33.18
+25.04%
26.54
-20.17%
33.24
Cash Flow From Continuing Operating Activities
36.53
+10.10%
33.18
+25.04%
26.54
-20.17%
33.24
Net Income From Continuing Operations
36.57
+31.47%
27.82
+56.18%
17.81
-38.71%
29.06
Depreciation Amortization Depletion
2.10
+16.50%
1.81
+18.82%
1.52
+47.14%
1.03
Depreciation And Amortization
2.10
+16.50%
1.81
+18.82%
1.52
+47.14%
1.03
Other Non Cash Items
-2.25
-1377.63%
-0.15
+38.21%
-0.25
-129.01%
0.85
Stock Based Compensation
0.62
+51.70%
0.41
+33.33%
0.31
-8.04%
0.34
Deferred Tax
0.80
-55.00%
1.77
+197.65%
0.59
+1752.78%
-0.04
Deferred Income Tax
0.80
-55.00%
1.77
+197.65%
0.59
+1752.78%
-0.04
Operating Gains Losses
-2.36
+33.85%
-3.56
-183.45%
-1.26
-42000.00%
0.00
Gain Loss On Investment Securities
-0.07
+53.79%
-0.14
-174.36%
0.20
-25.29%
0.26
Change In Working Capital
-1.95
-272.77%
1.13
+62.50%
0.70
+144.16%
-1.58
Change In Receivables
-0.39
-153.13%
0.74
+149.56%
-1.49
+29.18%
-2.10
Changes In Account Receivables
-0.39
-153.13%
0.74
+149.56%
-1.49
+29.18%
-2.10
Change In Payables And Accrued Expense
-1.56
-495.70%
0.40
-81.89%
2.18
+318.62%
0.52
Change In Payable
-1.56
-495.70%
0.40
-81.89%
2.18
+318.62%
0.52
Change In Account Payable
-1.56
-495.70%
0.40
-81.89%
2.18
+318.62%
0.52
Investing Cash Flow
-40.08
+41.98%
-69.07
-216.16%
59.47
+116.41%
-362.45
Cash Flow From Continuing Investing Activities
-40.08
+41.98%
-69.07
-216.16%
59.47
+116.41%
-362.45
Net PPE Purchase And Sale
-1.28
+2.28%
-1.31
+49.79%
-2.62
-60.16%
-1.63
Purchase Of PPE
-1.30
+1.37%
-1.31
+49.79%
-2.62
-60.16%
-1.63
Sale Of PPE
0.01
0.00
0.00
—
Capital Expenditure
-1.30
+1.37%
-1.31
+49.79%
-2.62
-60.16%
-1.63
Net Investment Purchase And Sale
-5.82
+13.85%
-6.76
-106.81%
99.18
+217.51%
-84.40
Purchase Of Investment
-118.27
-20.65%
-98.02
-148.96%
-39.37
+70.45%
-133.24
Sale Of Investment
112.44
+23.21%
91.27
-34.13%
138.55
+183.70%
48.84
Net Business Purchase And Sale
0.00
-100.00%
7.18
+109.17%
3.44
+405.88%
-1.12
Purchase Of Business
0.00
0.00
+100.00%
-1.47
-30.90%
-1.12
Gain Loss On Sale Of Business
0.00
+100.00%
-1.10
0.00
0.00
Net Other Investing Changes
0.51
-71.79%
1.81
+26.17%
1.43
+27.26%
1.13
Financing Cash Flow
-4.37
-117.29%
25.27
+142.55%
-59.40
-132.53%
182.59
Cash Flow From Continuing Financing Activities
-4.37
-117.29%
25.27
+142.55%
-59.40
-132.53%
182.59
Net Issuance Payments Of Debt
10.71
+141.62%
-25.72
-573.60%
5.43
-97.04%
183.29
Issuance Of Debt
0.00
0.00
-100.00%
40.00
0.00
Repayment Of Debt
-42.00
-20.00%
-35.00
0.00
+100.00%
-4.72
Long Term Debt Issuance
0.00
0.00
-100.00%
40.00
0.00
Long Term Debt Payments
-42.00
-20.00%
-35.00
0.00
+100.00%
-4.72
Net Long Term Debt Issuance
-42.00
-20.00%
-35.00
-187.50%
40.00
+946.56%
-4.72
Net Short Term Debt Issuance
52.70
+468.00%
9.28
+126.84%
-34.57
-118.39%
188.01
Net Common Stock Issuance
-0.55
-104.89%
-0.27
-15.15%
-0.23
+80.21%
-1.17
Common Stock Payments
-0.55
-104.89%
-0.27
-0.38%
-0.27
+79.28%
-1.28
Common Stock Dividend Paid
-9.55
-2.64%
-9.30
-9.40%
-8.50
-12.06%
-7.59
Cash Dividends Paid
-9.55
-2.64%
-9.30
-9.40%
-8.50
-12.06%
-7.59
Repurchase Of Capital Stock
-0.55
-104.89%
-0.27
-0.38%
-0.27
+79.28%
-1.28
Proceeds From Stock Option Exercised
0.07
+325.00%
0.02
0.00
0.00
Changes In Cash
-7.91
+25.48%
-10.62
-139.90%
26.61
+118.15%
-146.62
Beginning Cash Position
42.20
-20.10%
52.82
+101.51%
26.21
-84.83%
172.83
End Cash Position
34.29
-18.75%
42.20
-20.10%
52.82
+101.51%
26.21
Free Cash Flow
35.24
+10.57%
31.87
+33.23%
23.92
-24.32%
31.61
Interest Paid Supplemental Data
62.73
-7.02%
67.47
+51.01%
44.68
+317.43%
10.70
Income Tax Paid Supplemental Data
6.59
+133.19%
2.83
-44.91%
5.13
-22.27%
6.60
Amortization Of Securities
0.62
-54.96%
1.37
-13.22%
1.58
-16.30%
1.89
Common Stock Issuance
0.00
0.00
-100.00%
0.03
-69.64%
0.11
Issuance Of Capital Stock
0.00
0.00
-100.00%
0.03
-69.64%
0.11
Sale Of Business
0.00
-100.00%
7.18
+46.48%
4.91
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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