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Citizens Financial Services

CZFS · NASDAQ

$80.50+$1.40 (+1.77%)TodayMarket closed ·
Prev close $79.10

About CZFS

Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company is headquartered in Mansfield Pennsylvania, Pennsylvania and currently employs 373 full-time employees. The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The company is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.

Employees
373
Headquarters
Mansfield Pennsylvania, Pennsylvania
Listed
Oct 27, 1993
Sector
Financials
Industry
Banks
Website
firstcitizensbank.com

CZFS key statistics

Market cap
387.19M
Price-earnings ratio
9.25
Dividend yield
2.49%
Average volume
32.11K
Volume
44.93K
Open price
$79.30
High today
$81.45
Low today
$79.86
52 Week high
$84.65
52 Week low
$52.35

Citizens Financial Services (CZFS) at a glance

As of Oct 20, 2026, Citizens Financial Services (CZFS) shares are priced at $80.50, giving the company a market cap of 387.19M, a price-to-earnings ratio of 9.25 and a dividend yield of 2.49%.

Today the stock has traded between $79.86 and $81.45. The current price is 0.8% above the day's low and 1.2% below its high.

Volume so far is 44.93K shares, above the average of 32.11K shares a day.

Over the past year Citizens Financial Services has ranged from $52.35 to $84.65, and now sits 87% of the way up that range.

Citizens Financial Services met or beat analyst EPS estimates in 8 of the last 8 quarters. In Q2 FY26 it reported $2.12 per share against an estimate of $2.02.

CZFS earnings

Earnings per share, reported against the analyst estimate

Beat the estimate in 8 of the last 8 quarters, by 8.0% on average.

  1. Q3 FY24: reported $1.57 per share against an estimate of $1.39
  2. Q4 FY24: reported $1.66 per share against an estimate of $1.56
  3. Q1 FY25: reported $1.58 per share against an estimate of $1.50
  4. Q2 FY25: reported $1.76 per share against an estimate of $1.64
  5. Q3 FY25: reported $2.09 per share against an estimate of $1.80
  6. Q4 FY25: reported $2.18 per share against an estimate of $2.11
  7. Q1 FY26: reported $2.16 per share against an estimate of $2.02
  8. Q2 FY26: reported $2.12 per share against an estimate of $2.02

CZFS news

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2025 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2025 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2025 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTS

  • Press releasePRNewswire

    CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTS

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Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.