Citizens Financial Services, Inc.

Citizens Financial Services, Inc.

CZFS·NASDAQ

$64.40

-2.7%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$309.44M
EPS7.6200
P/E Ratio7.48
Earnings Date07/29/2026

czfs

Cash at Beginning of Period

Last Annual Value

42.20M

3-Year CAGR

-37%

5-Year CAGR

18%

10-Year CAGR

14%

Citizens Financial Services, Inc.

Citizens Financial Services, Inc. Competitors Analysis of Cash at Beginning of Period

CZFS · NASDAQ
CompanyCash at Beginning of Period
CAGR 3Y
CAGR 5Y
CAGR 10Y
42.20M
17.2%-9.3%5.6% 
PLBC logo
Plumas Bancorp
NASDAQ:PLBC
82.02M
-23.5%-15.0%1.9%
39.76M
-5.2%-15.9%-8.9%
67.96M
32.9%-15.4%15.8%
60.84M
4.2%-11.6%9.9%
221.53M
6.7%-13.5%23.2%
123.57M
37.3%5.2%14.0%
166.10M
76.9%38.0%N/A
1.07B
261.5%110.1%54.0%
164.73M
-19.6%-12.1%6.0%
28.69M
-29.2%-31.0%2.6%
Citizens Financial Services, Inc.

Citizens Financial Services, Inc. Fair Value Envelope

CZFS · NASDAQ

Our analysis suggests that CZFS has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $64.4, this represents a potential HIDDEN relative to our calculated worth for Citizens Financial Services, Inc..

Intrinsic Value
Current Price: $64.4