Symbols / CZFS Stock $68.98 -0.03% Citizens Financial Services, Inc.

Financial Services • Banks - Regional • United States • NCM
CZFS (Stock) Chart
O: — H: — L: — C: — V: —
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About

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Fundamentals
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Market Cap 331.60M Enterprise Value 612.91M Income 36.57M Sales 109.97M Book/sh 70.32 Cash/sh 9.37
Dividend Yield 2.90% Payout 26.05% Employees 373 IPO — P/E 9.05 Forward P/E 8.70
PEG — P/S 3.02 P/B 0.98 P/C — EV/EBITDA — EV/Sales 5.57
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 7.62 EPS next Y 7.93
EPS Growth 31.30% Revenue Growth 9.70% Earnings 2026-05-07 ROA 1.20% ROE 11.47% ROIC —
Gross Margin 0.00% Oper. Margin 46.84% Profit Margin 33.26% Shs Outstand 4.81M Shs Float 4.50M Short Float 1.10%
Short Ratio 4.22 Short Interest — 52W High 69.58 52W Low 49.99 Beta 0.41 Avg Volume 10.46K
Volume 4.19K Target Price $69.00 Recom None Prev Close $69.00 Price $68.98 Change -0.03%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
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Mean price target
2. Current target
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Latest analyst target
3. DCF / Fair value
$114.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
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News
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Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-19 LANDY ROBERT JOSEPH Director — 20 $0.00 $0
2026-03-06 PAINTER JOHN P II Director — 675 $61.00 $41,175
2026-02-27 GUILLAUME STEPHEN J Officer — 13 $57.06 $742
2026-01-12 LANDY ROBERT JOSEPH Director — 40 $0.00 $0
2025-12-22 BLACK RANDALL E Chief Executive Officer — 1,552 $0.00 $0
2025-12-22 GEPHART LEEANN Officer — 172 $0.00 $0
2025-12-15 OSBORNE TERRY B Director — 96 $0.00 $0
2025-12-15 GRAHAM ROGER C JR Director — 96 $0.00 $0
2025-12-15 JONES MICKEY L Director — 96 $0.00 $0
2025-12-15 FREEMAN THOMAS E. Director — 96 $0.00 $0
Financials

No financial statements available. Data is sourced from Yahoo Finance and cached; historical storage may be added later.

SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
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