CZFS
Citizens Financial Services Inc. Common Stock
NASDAQ: CZFS · FINANCIAL SERVICES · BANKS - REGIONAL
$63.16
-2.76% today
Updated 2026-04-30
Market cap
$317.08M
P/E ratio
8.66
P/S ratio
2.88x
EPS (TTM)
$7.62
Dividend yield
3.04%
52W range
$49 – $70
Volume
0.0M
WallStSmart proprietary scores
66
out of 100
Grade: B
Buy
Investment rating
8.7
Growth
A5.0
Quality
C+7.5
Profitability
B+6.7
Valuation
B—/9
Piotroski F-Score
—
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$69.00
+9.25%
12-Month target
$73.53
+16.42%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy1 Buy0 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 33.30% — above average
+ Free cash flow $15.06M — positive
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $93.09M | $138.72M | $168.62M | $173.24M | $109.97M |
| Net income | $29.06M | $17.81M | $27.82M | $36.57M | $10.38M |
| EPS | — | — | — | — | $7.62 |
| Free cash flow | $31.61M | $23.92M | $31.87M | $35.24M | $15.06M |
| Profit margin | 31.22% | 12.84% | 16.50% | 21.11% | 33.30% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-19 | LANDY, R JOSEPH | Sale | 20 | — |
| 2026-03-06 | PAINTER, JOHN P II | Buy | 675 | $61.00 |
| 2026-02-27 | GUILLAUME, STEPHEN J | Buy | 13 | $57.06 |
Peer comparison
Smart narrative
Citizens Financial Services Inc. Common Stock trades at $63.16. representing a P/E of 8.66x trailing earnings. Our Smart Value Score of 66/100 indicates the stock is good. TTM revenue stands at $109.97M. with profit margins at 33.30%.
Frequently asked questions
What is Citizens Financial Services Inc. Common Stock's stock price?
Citizens Financial Services Inc. Common Stock (CZFS) trades at $63.16.
Is Citizens Financial Services Inc. Common Stock overvalued?
Smart Value Score 66/100 (Grade B, Buy).
What is the price target of Citizens Financial Services Inc. Common Stock (CZFS)?
The analyst target price is $69.00, representing +9.2% upside from the current price of $63.16.
What is Citizens Financial Services Inc. Common Stock's revenue?
TTM revenue is $109.97M.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.88x
ROE11.50%
Beta0.41
50D MA$62.86
200D MA$59.94
Shares out0.00B
Float0.00B
Short ratio—
Avg volume0.0M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—