Citizens Financial Services Inc share price logo

Citizens Financial Services Inc Share Price

NASDAQ: CZFS

Small Cap

$61.05

+1.07

(+1.78%)

as on

Citizens Financial Services Inc Stock Performance

as on March 21, 2026 at 6:59 am IST

  • Day's Low

    $57.77
    $61.05
    downward going graph

    5.37%

    Downside

  • 52 Week's Low

    52 Week's High

    $49.96
    $69.30
    downward going graph

    18.16%

    Downside

    13.51%

    Upside

    downward going graph

Citizens Financial Services Inc share price movements today

Previous Close
$59.98
Open
$59.41
Volume
49.0K
Day's Low - High
$57.77 - $61.05
52 Week Low - High
$49.96 - $69.30

Citizens Financial Services Inc Historical Returns

1 Month Return
+ 0.05 %
3 Month Return
+ 2.21 %
1 Year Return
+ 5.24 %
3 Year Return
-20.83 %
5 Year Return
0 %

Citizens Financial Services Inc Stock Fundamentals & Key Indicators

Check Citizens Financial Services Inc market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$288.5M

EPS (TTM)

7.81

Dividend Yield

3.36%

Quarterly Earnings Growth YOY

0.31%

PE Ratio (TTM)

7.88

Industry PE ratio

0

PEG Ratio

0

EBITDA

-

Revenue (TTM)

110.0M

Profit Margin

33.26%

Return On Equity TTM

11.47%

Citizens Financial Services Inc Stock Valuation

Track how Citizens Financial Services Inc P/E has moved over time to understand its valuation trends.

Citizens Financial Services Inc in the last 5 years

  • Overview

  • Trends

Lowest (7.13x)

June 30, 2024

Industry (0.00x)

March 23, 2026

Today (7.88x)

March 23, 2026

Highest (11.50x)

June 30, 2023

LowHigh

Today’s Price to Earnings Ratio: 7.88x

Citizens Financial Services Inc vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Citizens Financial Services Inc with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %
Citizens Financial Services Inc image
Citizens Financial Services Inc
BUY$288.5MNA7.8833.26%
Mizuho Financial Group, Inc. image
Mizuho Financial Group, Inc.
BUY$92.8B145.63%14.3226.13%
Itaú Unibanco Holding S.a. image
Itaú Unibanco Holding S.a.
BUY$86.4B78.36%10.1832.28%
Pnc Financial Services Group, Inc. image
Pnc Financial Services Group, Inc.
BUY$81.6B19.07%12.1731.08%
U.s. Bancorp image
U.s. Bancorp
HOLD$79.6B-4.35%11.0928.72%
See all

Stock Returns calculator for Citizens Financial Services Inc Stock including INR - Dollar returns

The Citizens Financial Services Inc stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

Citizens Financial Services Inc investment value today

Current value as on today

₹1,16,494

Returns

₹16,494

(+16.49%)

Returns from Citizens Financial Services Inc Stock

₹7,049 (+7.05%)

Dollar Returns*

₹9,445 (+9.44%)

Analyst Recommendation on Citizens Financial Services Inc Stock

Based on 7 analysts

BUY

85.71%

Buy

14.29%

Hold

0.00%

Sell

Based on 7 analysts, 85.71% of analysts recommend a 'BUY' rating for Citizens Financial Services Inc. Average target price of $69

Citizens Financial Services Inc Share Price Target

Get share price movements and forecasts by analysts on Citizens Financial Services Inc.

What analysts predicted

11.52%UPSIDE

Target Price

$69

Current Price

$61.05

Analyzed by

7 Analysts

Target

$69.00

Citizens Financial Services Inc target price $69, a slight upside of 11.52% compared to current price of $61.05. According to 7 analysts rating.

Citizens Financial Services Inc Stock’s Investor Sentiment and Interest

Search interest for Citizens Financial Services Inc Stock has increased by 100% in the last 30 days, reflecting an upward trend in search activity.

Time period: to

Change:100% versus previous 30 day period

Citizens Financial Services Inc Quarterly Profit & Loss

All numbers in Millions USD

Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Total Revenue
40
42
41
41
42
43
42
42
44
44
Gross Profit
25
25
24
22
25
26
25
26
28
29
Operating Income
9
9
8
6
9
9
9
10
12
12
EBITDA
9
9
9
6
9
9
9
10
11
12
Interest Expense
14
16
16
16
17
16
16
15
15
14
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
9
9
8
6
9
9
9
10
12
12
Income Tax Expense
1
1
1
1
1
1
1
1
2
2
Net Income
7
7
7
5
7
7
7
8
10
10
Net Profit Margin
18.71%
17.95%
16.80%
12.79%
17.76%
18.51%
17.96%
19.95%
22.68%
23.57%

Citizens Financial Services Inc Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
50
56
64
70
81
85
93
138
168
173
Gross Profit
44
48
52
56
71
76
80
86
98
109
Operating Income
15
19
21
23
30
35
35
21
33
45
EBITDA
15
19
21
24
31
36
36
23
35
45
Interest Expense
5
5
9
12
8
7
11
46
67
61
Depreciation
-
0
0
0
-2
0
0
1
1
2
Income Before Tax
15
19
21
23
30
35
35
21
33
45
Income Tax Expense
3
6
3
3
5
6
6
3
5
8
Net Income
12
13
18
19
25
29
29
17
27
36
Net Profit Margin
24.83%
22.95%
27.96%
27.70%
30.72%
34.05%
31.22%
12.84%
16.50%
21.11%

Citizens Financial Services Inc Quarterly Cash Flow

All numbers in Millions USD

Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Net Income
7
7
5
7
7
7
8
10
10
Operating Cash Flow
16
13
3
6
10
10
5
2
16
Investing Cash Flow
3
23
-12
-79
0
0
70
-103
-6
Financing Cash Flow
-10
-59
18
71
-4
-15
-63
82
-7
Change in Cash
9
-23
8
-1
5
-5
12
-18
3

Citizens Financial Services Inc Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Net Income
13
18
19
25
29
29
17
27
36
Operating Cash Flow
15
21
21
11
38
33
26
33
36
Investing Cash Flow
-105
-72
-32
-110
-158
-362
59
-69
-40
Financing Cash Flow
90
49
12
149
223
182
-59
25
-4
Change in Cash
0
-1
1
50
104
-146
26
-10
-7

Global Institutional Holdings in Citizens Financial Services Inc

Funds
Holdings
Cyndeo Wealth Partners LLC
0.34%
Weatherly Asset Management LP
0.2%
Bank of New York Mellon Corp
0.29%
LAWOOD & CO
0.22%
Morgan Stanley - Brokerage Accounts
0.19%
See all

Citizens Financial Services Inc News & Key Events

    Insights on Citizens Financial Services Inc

    Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

    • imgPOSITIVE IMPACT

      Revenue Rich

      img

      Revenue is up for the last 3 quarters, 42.41M → 44.48M (in $), with an average increase of 2.3% per quarter

    • imgPOSITIVE IMPACT

      Price Rise

      img

      In the last 7 days, CZFS stock has moved up by 1.3%

    • imgPOSITIVE IMPACT

      Profit Spike

      img

      Netprofit is up for the last 4 quarters, 7.62M → 10.48M (in $), with an average increase of 10.0% per quarter

    • imgNO EFFECT

      Against Peers

      img

      In the last 3 years, Mizuho Financial Group, Inc. has given 105.1% return, outperforming this stock by 125.9%

    • imgNO EFFECT

      Against Peers

      img

      In the last 1 year, Itaú Unibanco Holding S.a. has given 42.7% return, outperforming this stock by 37.5%

    About Citizens Financial Services Inc

    our goal is to support the growth of the communities we serve. after all, community is in our name. we have a knack for hiring the finest and brightest employees, and understand how fostering their growth builds loyalty, impacting customer service. our employees are our strongest asset. so, we accommodate families, invest in our their future, and recognize hard work. undoubtedly, quality customer service is of the utmost importance to our staff. we concentrate our attention on carefully chosen customer service initiatives; providing customers with the ability to own their own home, send their children to college, and retire in a lifestyle to which they are accustomed. as the number one mortgage lender in the northern tier of pennsylvania, we do what no one else can for our customers! our extensive experience allows us to overcome obstacles that stand in the way of customer satisfaction. in fact, customer surveys consistently show 99% of customers would recommend us to their family and
    OrganisationCitizens Financial Services Inc
    Headquarters15 South Main Street, Mansfield, PA, United States, 16933
    IndustryRegional Banks
    CEOMr. Randall E. Black
    E-voting on sharesClick here to vote

    Key Management of Citizens Financial Services Inc

    Name

    Title

    Ms. Kathleen M. Campbell CFMP

    Senior VP, CFMP & Director of Marketing of First Citizens National Bank

    Marina Smalanaskas

    Senior VP & Southcentral Market Executive

    Ms. Gina Marie Boor

    Corporate Secretary

    Mr. Stephen J. Guillaume

    Executive VP & CFO

    Mr. Jeffrey L. Wilson

    Executive VP & Chief Lending Officer of First Citizens Community Bank

    Ms. Cynthia T. Pazzaglia

    Senior Vice President of Human Resources

    Mr. Jeffrey B. Carr

    Senior VP & Chief Retail Banking Officer of First Citizens Community Bank

    Mr. Randall E. Black

    President, CEO & Vice Chairman

    Mr. Jeffrey R. White

    Chief Operating Officer

    FAQs

    What is Citizens Financial Services Inc share price today?

    Citizens Financial Services Inc share price today is $61.05 as on at the close of the market. Citizens Financial Services Inc share today touched a day high of $61.05 and a low of $57.77.

    What is the 52 week high and 52 week low for Citizens Financial Services Inc share?

    Citizens Financial Services Inc share touched a 52 week high of $69.3 on and a 52 week low of $49.96 on . Citizens Financial Services Inc stock price today i.e. is closed at $61.05,which is 11.90% down from its 52 week high and 22.20% up from its 52 week low.

    What is Citizens Financial Services Inc's market capitalisation today?

    Citizens Financial Services Inc market capitalisation is $0.00T as on .

    How to invest in Citizens Financial Services Inc Stock (CZFS) from India?

    1. Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
    2. Step 2: Search for Citizens Financial Services Inc on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Citizens Financial Services Inc Shares that will get you 0.0246 shares as per Citizens Financial Services Inc share price of $61.05 per share as on March 21, 2026 at 1:29 am IST.

    What is the minimum amount required to buy Citizens Financial Services Inc Stock (CZFS) from India?

    Indian investors can start investing in Citizens Financial Services Inc (CZFS) shares with as little as ₹93.652 or $1 (as of ) using the INDmoney app.
    For example: If you want to invest $10 or ₹936.52 in Citizens Financial Services Inc stock (as per the Rupee-Dollar exchange rate as on ). Based on Citizens Financial Services Inc share’s latest price of $61.05 as on March 21, 2026 at 1:29 am IST, you will get 0.1638 shares of Citizens Financial Services Inc. Learn more about fractional shares .