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Citizens Financial Services, Inc. CZFS
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 61.38
0.0847 %
$ 292 M
Market Cap
9.89
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CZFS stock under the worst case scenario is HIDDEN Compared to the current market price of 61.4 USD, Citizens Financial Services, Inc. is HIDDEN

CZFS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CZFS stock under the base case scenario is HIDDEN Compared to the current market price of 61.4 USD, Citizens Financial Services, Inc. is HIDDEN

CZFS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CZFS stock under the best case scenario is HIDDEN Compared to the current market price of 61.4 USD, Citizens Financial Services, Inc. is HIDDEN

CZFS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CZFS

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1M 2%
6M -12%
1Y 44%
3Y 4%
5Y 43%
All
$70.0$70.0$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
101 M REVENUE
16.70%
Growth Rates
1Year 16.70%
3Years 8.71%
5Years 10.21%
7Years 11.14%
10Years 11.06%
33.7 M OPERATING INCOME
-21.04%
Growth Rates
1Year -21.04%
3Years -1.57%
5Years 7.64%
7Years 4.41%
10Years 3.83%
27.8 M NET INCOME
56.18%
Growth Rates
1Year 56.18%
3Years -1.51%
5Years 7.37%
7Years 11.45%
10Years 7.59%
33.2 M OPERATING CASH FLOW
25.04%
Growth Rates
1Year 25.04%
3Years -4.99%
5Years 8.80%
7Years 11.24%
10Years 7.45%
-69.1 M INVESTING CASH FLOW
-116.16%
Growth Rates
1Year -116.16%
3Years 24.14%
5Years -16.40%
7Years 5.86%
10Years -23.73%
25.3 M FINANCING CASH FLOW
142.55%
Growth Rates
1Year 142.55%
3Years -51.65%
5Years 15.53%
7Years -16.65%
10Years 19.25%
42.4 M REVENUE
61.91%
Growth Rates
1Year 16.70%
3Years 8.71%
5Years 10.21%
7Years 11.14%
10Years 11.06%
9.38 M OPERATING INCOME
-1.76%
Growth Rates
1Year -21.04%
3Years -1.57%
5Years 7.64%
7Years 4.41%
10Years 3.83%
7.62 M NET INCOME
-4.53%
Growth Rates
1Year 56.18%
3Years -1.51%
5Years 7.37%
7Years 11.45%
10Years 7.59%
10.9 M OPERATING CASH FLOW
4.41%
Growth Rates
1Year 25.04%
3Years -4.99%
5Years 8.80%
7Years 11.24%
10Years 7.45%
-728 K INVESTING CASH FLOW
-316.00%
Growth Rates
1Year -116.16%
3Years 24.14%
5Years -16.40%
7Years 5.86%
10Years -23.73%
-15.6 M FINANCING CASH FLOW
-221.07%
Growth Rates
1Year 142.55%
3Years -51.65%
5Years 15.53%
7Years -16.65%
10Years 19.25%
Balance Sheet Citizens Financial Services, Inc.
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Current Assets 478 M
Cash & Short-Term Investments 468 M
Receivables 10.3 M
Other Current Assets 0
Non-Current Assets 125 M
Long-Term Investments 0
PP&E 21.4 M
Other Non-Current Assets 104 M
77.55 %3.54 %17.20 %Total Assets$603.7m
Current Liabilities 2.41 B
Accounts Payable 4.69 M
Short-Term Debt 24.9 M
Other Current Liabilities 2.38 B
Non-Current Liabilities 273 M
Long-Term Debt 273 M
Other Non-Current Liabilities 0
88.73 %10.16 %Total Liabilities$2.7b
EFFICIENCY
Earnings Waterfall Citizens Financial Services, Inc.
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Revenue 101 M
Cost Of Revenue 0
Gross Profit 101 M
Operating Expenses 2.6 M
Operating Income 33.7 M
Other Expenses 5.86 M
Net Income 27.8 M
120m120m100m100m80m80m60m60m40m40m20m20m00101m0101m(3m)34m(6m)28mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
33.43% OPERATING MARGIN
33.43%
Averages
1Year 33.43%
3Years 42.06%
5Years 41.72%
7Years 40.75%
10Years 43.46%
27.61% NET MARGIN
27.61%
Averages
1Year 27.61%
3Years 27.91%
5Years 30.35%
7Years 30.86%
10Years 30.42%
9.28% ROE
9.28%
Averages
1Year 9.28%
3Years 10.06%
5Years 11.36%
7Years 11.76%
10Years 11.24%
0.92% ROA
0.92%
Averages
1Year 0.92%
3Years 0.92%
5Years 1.09%
7Years 1.15%
10Years 1.10%
-1.56% ROIC
-1.56%
Averages
1Year -1.56%
3Years 0.88%
5Years 1.78%
7Years 2.16%
10Years 2.31%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Citizens Financial Services, Inc.
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40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 27.8 M
Depreciation & Amortization 1.81 M
Capital Expenditures -1.31 M
Stock-Based Compensation 412 K
Change in Working Capital 1.13 M
Others 244 K
Free Cash Flow 31.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Citizens Financial Services, Inc.
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CZFS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.85% DIVIDEND YIELD
0.495 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.000002.000001.800001.800001.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.38920.398810.408420.418030.431910.538680.451320.461030.475440.485150.4950.38920.398810.38920.422210.431910.441620.446470.465640.48020.485150.49010.403610.413220.427060.436770.446470.456180.470540.485150.490.3941.660.403611.600.413221.620.41451.680.436771.740.446471.870.456181.810.470541.870.485151.930.491.950.502015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Citizens Financial Services, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
1.45 K USD 1
6-9 MONTHS
8.41 K USD 1
9-12 MONTHS
27.4 K USD 1
Bought
13.2 K USD 2
0-3 MONTHS
7.35 K USD 2
3-6 MONTHS
17.3 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Citizens Financial Services (CZFS) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? zacks.com - 1 week ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? zacks.com - 3 weeks ago
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? zacks.com - 1 month ago
Citizens Financial Services (CZFS) Beats Q1 Earnings Estimates Citizens Financial Services (CZFS) came out with quarterly earnings of $1.60 per share, beating the Zacks Consensus Estimate of $1.49 per share. This compares to earnings of $1.49 per share a year ago. zacks.com - 1 month ago
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS MANSFIELD, Pa. , April 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three months ended March 31, 2025. prnewswire.com - 1 month ago
Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? zacks.com - 1 month ago
Citizens Financial Services (CZFS) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? zacks.com - 2 months ago
Citizens Financial Services (CZFS) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? zacks.com - 3 months ago
Citizens Financial Services (CZFS) Tops Q4 Earnings and Revenue Estimates Citizens Financial Services (CZFS) came out with quarterly earnings of $1.68 per share, beating the Zacks Consensus Estimate of $1.54 per share. This compares to earnings of $1.60 per share a year ago. zacks.com - 4 months ago
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTS MANSFIELD, Pa. , Jan. 30, 2025 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial results for the three months and year ended December 31, 2024. prnewswire.com - 4 months ago
Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why If you are looking for stocks that are well positioned to maintain their recent uptrend, Citizens Financial Services (CZFS) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen. zacks.com - 6 months ago
Citizens Financial Services (CZFS) Is a Great Choice for 'Trend' Investors, Here's Why If you are looking for stocks that are well positioned to maintain their recent uptrend, Citizens Financial Services (CZFS) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen. zacks.com - 6 months ago
8. Profile Summary

Citizens Financial Services, Inc. CZFS

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 292 M
Dividend Yield 0.85%
Description 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.
Contact 15 South Main Street, Mansfield, PA, 16933 https://www.firstcitizensbank.com
IPO Date Jan. 4, 1999
Employees 379
Officers Mr. Jeffrey B. Carr Senior Vice President & Chief Retail Banking Officer of First Citizens Community Bank Mr. Jeffrey L. Wilson Executive Vice President & Chief Lending Officer of First Citizens Community Bank Ms. Gina Marie Boor Corporate Secretary Ms. Kathleen M. Campbell CFMP Senior Vice President, CFMP & Director of Marketing of First Citizens National Bank Marina Smalanaskas Senior Vice President & Southcentral Market Executive Mr. Randall E. Black President, Chief Executive Officer & Director Mr. Stephen J. Guillaume Executive Vice President & Chief Financial Officer Ms. Cynthia T. Pazzaglia Senior Vice President of Human Resources Mr. Jeffrey R. White Chief Operating Officer Mr. Anthony Manerchia Senior Vice President & Chief Banking Officer