Citizens Financial Services Inc (CZFS) Live Share Price, Invest From India

Citizens Financial Services Inc Stock Performance

as on October 23, 2025 at 1:28 am IST

Day's Low
$55
Day's Price Range
$56.94
$56.94
3.41%
Downside
52 Week's Low
52 Week's High
$49.96
52-Week Price Range
$74.65
$56.94
12.26%
Downside
31.11%
Upside

Citizens Financial Services Inc share price movements today

Previous Close: $56.65
Open: $56.65
Volume: 47.5K
Day's Low - High: $55 - $56.94
52 Week Low - High: $49.96 - $74.65

Citizens Financial Services Inc Historical Returns

1 Month Return: -9.19 %
3 Month Return: -5.7 %
1 Year Return: -2.36 %
3 Year Return: -8.84 %
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

$272.3M

EPS (TTM)

6.9

Dividend Yield

3.36%

Quarterly Earnings Growth YOY

0.60%

PE Ratio (TTM)

8.61

Industry PE ratio

PEG Ratio

EBITDA

Revenue (TTM)

104.2M

Profit Margin

30.33%

Return On Equity TTM

10.53%

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)

October 23, 2025

Today (8.61x)

October 23, 2025

Highest (11.96x)

September 30, 2025

LowHigh

Today’s Price to Earnings Ratio: 8.61x

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 Ratio	Profit Margin %
Citizens Financial Services Inc	BUY	$272.3M	NA	8.61	30.33%
Nu Holdings Ltd.	BUY	$72.5B	NA	32.43	39.32%
Mizuho Financial Group, Inc.	BUY	$80.4B	153.75%	13.77	22.70%
Icici Bank Ltd.	BUY	$116.7B	177.07%	18.71	27.92%
Itaú Unibanco Holding S.a.	BUY	$71.3B	73.21%	9.5	31.79%

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

Citizens Financial Services Inc investment value today

Current value as on today

₹1,02,191

Returns

₹2,191

(+2.19%)

Returns from Citizens Financial Services Inc Stock

₹2,366 (-2.37%)

Dollar Returns*

₹4,557 (+4.56%)

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 $65

Citizens Financial Services Inc Share Price Target

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

What analysts predicted

12.4%UPSIDE

Target Price

$65

Current Price

$56.94

Analyzed by

7 Analysts

Target

$65.00

Citizens Financial Services Inc target price $65, a slight upside of 12.4% compared to current price of $56.94. According to 7 analysts rating.

Citizens Financial Services Inc Quarterly Profit & Loss

All numbers in Millions USD

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Total Revenue	27	29	40	42	41	41	42	43	42	42
Gross Profit	20	15	25	25	24	22	25	26	25	26
Operating Income	8	-5	9	9	8	6	9	9	9	10
EBITDA	8	-5	9	9	9	6	9	9	9	10
Interest Expense	7	8	14	16	16	16	17	16	16	15
Depreciation	0	0	0	0	0	0	0	0	0	0
Income Before Tax	8	-5	9	9	8	6	9	9	9	10
Income Tax Expense	1	-1	1	1	1	1	1	1	1	1
Net Income	6	-4	7	7	7	5	7	7	7	8
Net Profit Margin	25.17%	-14.25%	18.71%	17.95%	16.80%	12.79%	17.76%	18.51%	17.96%	19.95%

Citizens Financial Services Inc Annual Profit & Loss

All numbers in Millions USD

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Revenue	43	50	56	64	70	81	85	93	138	168
Gross Profit	37	44	48	52	56	71	76	80	86	98
Operating Income	14	15	19	21	23	30	35	35	21	33
EBITDA	14	15	19	21	24	31	36	36	23	35
Interest Expense	4	5	5	9	12	8	7	11	46	67
Depreciation	-	-	0	0	0	-2	0	0	1	1
Income Before Tax	14	15	19	21	23	30	35	35	21	33
Income Tax Expense	2	3	6	3	3	5	6	6	3	5
Net Income	11	12	13	18	19	25	29	29	17	27
Net Profit Margin	26.99%	24.83%	22.95%	27.96%	27.70%	30.72%	34.05%	31.22%	12.84%	16.50%

Citizens Financial Services Inc Quarterly Cash Flow

All numbers in Millions USD

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Net Income	-4	7	7	7	5	7	7	7	8
Operating Cash Flow	-7	7	16	13	3	6	10	10	5
Investing Cash Flow	123	-72	3	23	-12	-79	0	0	70
Financing Cash Flow	-97	64	-10	-59	18	71	-4	-15	-63
Change in Cash	18	-1	9	-23	8	-1	5	-5	12

Citizens Financial Services Inc Annual Cash Flow

All numbers in Millions USD

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Income	12	13	18	19	25	29	29	17	27
Operating Cash Flow	16	15	21	21	11	38	33	26	33
Investing Cash Flow	-70	-105	-72	-32	-110	-158	-362	59	-69
Financing Cash Flow	47	90	49	12	149	223	182	-59	25
Change in Cash	-6	0	-1	1	50	104	-146	26	-10

Global Institutional Holdings in Citizens Financial Services Inc

Funds	Holdings
BlackRock Inc	6.65%
Vanguard Group Inc	5.09%
Citizens & Northern Corp	2.44%
Geode Capital Management, LLC	2.21%
State Street Corp	2.07%

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.

POSITIVE IMPACT
Price Rise
In the last 7 days, CZFS stock has moved up by 7.1%
POSITIVE IMPACT
Profit Spike
Netprofit is up for the last 2 quarters, 7.62M → 8.46M (in $), with an average increase of 10.0% per quarter
NO EFFECT
Against Peers
In the last 1 year, Mizuho Financial Group, Inc. has given 58.1% return, outperforming this stock by 60.5%
NO EFFECT
Against Peers
In the last 3 years, Nu Holdings Ltd. has given 189.2% return, outperforming this stock by 198.0%
NEGATIVE IMPACT
Revenue Fall
Revenue is down for the last 3 quarters, 43.13M → 42.41M (in $), with an average decrease of 0.8% per quarter

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

Organisation	Citizens Financial Services Inc
Headquarters	15 South Main Street, Mansfield, PA, United States, 16933
Industry	Regional Banks
CEO	Mr. Randall E. Black
E-voting on shares	Click here to vote

Key Management of Citizens Financial Services Inc

Name	Title
Mr. Stephen J. Guillaume	Executive VP & CFO
Mr. Jeffrey R. White	Chief Operating Officer
Marina Smalanaskas	Senior VP & Southcentral Market Executive
Mr. Anthony Manerchia	Senior VP & Chief Banking Officer
Ms. Gina Marie Boor	Corporate Secretary
Mr. Jeffrey L. Wilson	Executive VP & Chief Lending Officer of First Citizens Community Bank
Ms. Kathleen M. Campbell CFMP	Senior VP, CFMP & Director of Marketing of First Citizens National 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 & Director

FAQs

What is Citizens Financial Services Inc share price today?

Citizens Financial Services Inc share price today is $56.94 as on October 23, 2025 at 1:28 am IST at the close of the market. Citizens Financial Services Inc share today touched a day high of $56.94 and a low of $55.

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 $74.65 on November 25, 2024 and a 52 week low of $49.96 on April 14, 2025. Citizens Financial Services Inc stock price today i.e. October 23, 2025 at 1:28 am IST is closed at $56.94,which is 23.73% down from its 52 week high and 13.97% 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 October 23, 2025 at 1:28 am IST.

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

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 .
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 0.0263 shares as per Citizens Financial Services Inc share price of $56.94 per share as on October 23, 2025 at 1:28 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 ₹87.755 or $1 (as of October 23, 2025 at 4:38 pm IST) using the INDmoney app.
For example: If you want to invest $10 or ₹877.55 in Citizens Financial Services Inc stock (as per the Rupee-Dollar exchange rate as on October 23, 2025 at 4:38 pm IST). Based on Citizens Financial Services Inc share’s latest price of $56.94 as on October 23, 2025 at 1:28 am IST, you will get 0.1756 shares of Citizens Financial Services Inc. Learn more about fractional shares .