Citizens Financial Services, Inc. (CZFS)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 77.50 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 8.4% below the current price.
- Consensus
- Strong Sell
- Analyst Ratings
- 1
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 8.23 | 8.23 – 8.23 | 0 | 8.0% | 1 |
| 12/31/2027 | 8.31 | 8.31 – 8.31 | 0 | 1.0% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.68 | 6.80 | 43 | 2.70 | 18.50 | 11 | 10 |
| 2025: Q1 | 1.60 | 8.40 | 42 | 1.50 | 18.00 | 11 | 10 |
| 2025: Q2 | 1.76 | 58.90 | 42 | 2.90 | 20.00 | 6 | 6 |
| 2025: Q3 | 2.08 | 31.40 | 44 | 3.90 | 22.70 | 3 | 4 |
| 2025: Q4 | 2.18 | 30.10 | 45 | 3.10 | 23.60 | 12 | 15 |
| 2026: Q1 | 2.16 | 34.80 | 44 | 3.10 | 23.70 | 18 | 18 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 51 | 16 | 13 | 3.36 | 16 | 123 | 1,223 |
| 2017 | 57 | 19 | 13 | 3.49 | 16 | 129 | 1,362 |
| 2018 | 64 | 21 | 18 | 4.84 | 21 | 139 | 1,431 |
| 2019 | 70 | 23 | 19 | 5.26 | 22 | 155 | 1,466 |
| 2020 | 82 | 30 | 25 | 6.34 | 12 | 194 | 1,892 |
| 2021 | 86 | 35 | 29 | 7.16 | 39 | 212 | 2,144 |
| 2022 | 93 | 36 | 29 | 7.18 | 33 | 200 | 2,333 |
| 2023 | 139 | 22 | 18 | 4.02 | 27 | 280 | 2,975 |
| 2024 | 169 | 34 | 28 | 5.85 | 33 | 300 | 3,026 |
| 2025 | 173 | 45 | 37 | 7.62 | 37 | 338 | 3,065 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Citizens Financial Services, Inc. , a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers.
| Employees | 388 |
|---|---|
| Headquarters | Mansfield, PA |
| Address | 15 South Main Street, 16933 Mansfield, United States |
| Phone | 570 662 2121 |
| Website | firstcitizensbank.com |
| IPO Date | 2. Jan 2001 |
| ISIN | US1746151042 |
| Stock Split | 101:100 on 06/14/2024 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Randall E. Black | President, CEO & Vice Chairman | 1967 |
| Stephen J. Guillaume | Executive VP, CFO & Treasurer | 1977 |
| Jeffrey R. White | Executive VP & COO | 1985 |
| David Z. Richards Jr. | Senior EVP, Director of Emerging Markets & Director | 1961 |
| Kathleen M. Campbell CFMP | Senior VP, CFMP & Director of Marketing of First Citizens National Bank | 1961 |
| Cynthia T. Pazzaglia | Senior Vice President of Human Resources | 1959 |
| Marina Smalanaskas | Senior VP & Southcentral Market Executive | 1972 |
| Gina Marie Boor | Corporate Secretary | – |
| Jeffrey B. Carr | Senior VP & Chief Retail Banking Officer of First Citizens Community Bank | 1970 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 22. Jul 2026 | Richards David Z Jr | EXECUTIVE VICE PRESIDENT | Other | 343 | 0.00 | – |
| 9. Jul 2026 | Landy R Joseph | Director | Other | 20 | 0.00 | – |
| 9. Jul 2026 | Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | Sell | 15 | 71.52 | 1,073 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.