Citizens Financial Services Share Price (NASDAQ: CZFS)

$59.76

▲

-0.73

(-1.21%)

Last updated on August 30, 2025 at 1:29 am IST

$₹

Check the interactive Citizens Financial Services Stock chart to analyse performance

Citizens Financial Services stock performance

as on August 30, 2025 at 1:29 am IST

Today's Low:$59.76
Today's High:$60.20
$59.76
0.0%
Downside
Day's Volatility :0.73%
Upside
0.73%
52 Weeks Low:$49.33
52 Weeks High:$74.65
$59.76
17.45%
Downside
52 Weeks Volatility :33.92%
Upside
19.95%

Citizens Financial Services Stock Returns

Period	Citizens Financial Services Inc	Index (Russel 2000)
3 Months	0.8%	0.0%
6 Months	4.76%	0.0%
1 Year	18.75%	0.0%
3 Years	-23.6%	-4.7%

Citizens Financial Services Inc Key Stats

Check Citizens Financial Services key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$60.49
Open	$60.2
Today's High	$60.2
Today's Low	$59.76
Market Capitalization	$290.8M
Today's Volume	$6.0K
52 Week High	$74.6535
52 Week Low	$49.3317
Revenue TTM	$104.2M
Earnings Per Share (EPS)	$6.58
PE Ratio	9.19
Dividend Yield	3.15%
Profit Margin	30.33%
Quarterly Earnings Growth YOY	0.6%
Return On Equity TTM	10.53%

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

The Citizens Financial Services 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 investment value today

Current value as on today

₹1,11,354

Returns

₹11,354

(+11.35%)

Returns from Citizens Financial Services Stock

₹6,070 (+6.07%)

Dollar Returns*

₹5,284 (+5.28%)

Indian investors sentiment towards Citizens Financial Services Stock

100%

Period: Jul 31, 2025 to Aug 30, 2025. Change in 30 Days versus previous period

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

Global Institutional Holdings in Citizens Financial Services Inc

Name
Holdings %
Name
Holdings %
Nuveen, LLC
15.80%
BlackRock Inc
6.78%
Vanguard Group Inc
5.09%
Citizens & Northern Corp
2.44%
Geode Capital Management, LLC
2.18%
State Street Corp
1.91%

Analyst Recommendation on Citizens Financial Services Stock

Rating

Trend

Buy

85%Buy

14%Hold

0%Sell

Based on 7 Wall street analysts offering stock ratings for Citizens Financial Services(by analysts ranked 0 to 5 stars)

Citizens Financial Services Share Price Target

What analysts predicted

Upside of 8.77%

Target:

$65.00

Current:

$59.76

Citizens Financial Services share price target is $65.00, a slight Upside of 8.77% compared to current price of $59.76 as per analysts' prediction.

Citizens Financial Services Stock Insights

Price Movement
In the last 1 month, CZFS stock has moved up by 12.5%
Decreasing Revenue
Revenue is down for the last 3 quarters, 43.13M → 35.32M (in $), with an average decrease of 9.2% per quarter
Increasing Net Profit
Netprofit is up for the last 2 quarters, 7.62M → 8.46M (in $), with an average increase of 10.0% per quarter
CZFS vs MFG (1 yr)
In the last 1 year, Mizuho Financial Group, Inc. has given 58.9% return, outperforming this stock by 52.0%
CZFS vs NU (3 yr)
In the last 3 years, Nu Holdings Ltd. has given 187.4% return, outperforming this stock by 211.0%
Price to Sales
ForCZFS every $1 of sales, investors are willing to pay $2.8, whereas for Mizuho Financial Group, Inc., the investors are paying $0.0 for every $1 of sales.

Citizens Financial Services Inc Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$70.4M	↑ 9.11%
Net Income	$19.5M	↑ 8.07%
Net Profit Margin	27.7%	↓ 0.26%

	FY20	Y/Y Change
Revenue	$81.3M	↑ 15.49%
Net Income	$25.1M	↑ 28.8%
Net Profit Margin	30.89%	↑ 3.19%

	FY21	Y/Y Change
Revenue	$85.5M	↑ 5.24%
Net Income	$29.1M	↑ 15.99%
Net Profit Margin	34.05%	↑ 3.16%

	FY22	Y/Y Change
Revenue	$93.1M	↑ 8.86%
Net Income	$29.1M	↓ 0.2%
Net Profit Margin	31.22%	↓ 2.83%

	FY23	Y/Y Change
Revenue	$138.7M	↑ 49.01%
Net Income	$17.8M	↓ 38.71%
Net Profit Margin	12.84%	↓ 18.38%

	FY24	Y/Y Change
Revenue	$168.6M	↑ 21.55%
Net Income	$27.8M	↑ 56.18%
Net Profit Margin	16.5%	↑ 3.66%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$41.8M	↓ 0.47%
Net Income	$7.0M	↓ 6.84%
Net Profit Margin	16.8%	↓ 1.15%

	Q2 FY24	Q/Q Change
Revenue	$41.2M	↓ 1.35%
Net Income	$5.3M	↓ 24.9%
Net Profit Margin	12.79%	↓ 4.01%

	Q3 FY24	Q/Q Change
Revenue	$42.4M	↑ 2.92%
Net Income	$7.5M	↑ 42.86%
Net Profit Margin	17.76%	↑ 4.97%

	Q4 FY24	Q/Q Change
Revenue	$43.1M	↑ 1.62%
Net Income	$8.0M	↑ 5.93%
Net Profit Margin	18.51%	↑ 0.75%

	Q1 FY25	Q/Q Change
Revenue	$42.4M	↓ 1.6%
Net Income	$7.6M	↓ 4.53%
Net Profit Margin	17.96%	↓ 0.55%

	Q2 FY25	Q/Q Change
Revenue	$35.3M	↓ 16.77%
Net Income	$8.5M	↑ 11.05%
Net Profit Margin	23.96%	↑ 6.0%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$56.7M	↑ 6.9%

	FY20	Y/Y Change
Profit	$71.2M	↑ 25.7%

	FY21	Y/Y Change
Profit	$76.9M	↑ 7.94%

	FY22	Y/Y Change
Profit	$80.2M	↑ 4.32%

	FY23	Y/Y Change
Profit	$86.3M	↑ 7.67%

	FY24	Y/Y Change
Profit	$98.2M	↑ 13.7%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Profit	$24.0M	↓ 5.14%

	Q2 FY24	Q/Q Change
Profit	$22.6M	↓ 5.86%

	Q3 FY24	Q/Q Change
Profit	$25.3M	↑ 11.69%

	Q4 FY24	Q/Q Change
Profit	$26.2M	↑ 3.69%

	Q1 FY25	Q/Q Change
Profit	$25.8M	↓ 1.56%

	Q2 FY25	Q/Q Change
Profit	$-25.8M	↓ 200.0%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$21.8M	↑ 1.31%
Investing Cash Flow	$-32.3M	↓ 55.32%
Financing Cash Flow	$12.3M	↓ 75.01%

	FY20	Y/Y Change
Operating Cash Flow	$11.8M	↓ 45.69%
Investing Cash Flow	$-110.7M	↑ 242.59%
Financing Cash Flow	$149.1M	↑ 1114.26%

	FY21	Y/Y Change
Operating Cash Flow	$38.7M	↑ 227.3%
Investing Cash Flow	$-158.2M	↑ 42.89%
Financing Cash Flow	$223.7M	↑ 50.01%

	FY22	Y/Y Change
Operating Cash Flow	$33.2M	↓ 14.09%
Investing Cash Flow	$-362.5M	↑ 129.06%
Financing Cash Flow	$182.6M	↓ 18.36%

	FY23	Y/Y Change
Operating Cash Flow	$26.5M	↓ 20.17%
Investing Cash Flow	$59.5M	↓ 116.41%
Financing Cash Flow	$-59.4M	↓ 132.53%

	FY24	Y/Y Change
Operating Cash Flow	$33.2M	↑ 25.04%
Investing Cash Flow	$-69.1M	↓ 216.16%
Financing Cash Flow	$25.3M	↓ 142.55%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$13.5M	↓ 16.98%
Investing Cash Flow	$23.1M	↑ 527.5%
Financing Cash Flow	$-59.8M	↑ 474.18%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$3.0M	↓ 77.54%
Investing Cash Flow	$-13.0M	↓ 156.11%
Financing Cash Flow	$18.8M	↓ 131.39%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$6.2M	↑ 105.86%
Investing Cash Flow	$-79.0M	↑ 509.51%
Financing Cash Flow	$71.2M	↑ 279.26%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$10.5M	↑ 68.51%
Investing Cash Flow	$-175.0K	↓ 99.78%
Financing Cash Flow	$-4.9M	↓ 106.84%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$10.9M	↑ 4.41%
Investing Cash Flow	$-728.0K	↑ 316.0%
Financing Cash Flow	$-15.6M	↑ 221.07%

Citizens Financial Services Technicals Summary

Sell

Neutral

Buy

Citizens Financial Services is currently in a neutral trading position according to technical analysis indicators.

Citizens Financial Services Inc Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Citizens Financial Services Inc	12.13%	4.76%	18.75%	-23.6%	4.25%
Nu Holdings Ltd.	21.07%	41.31%	-0.3%	201.94%	43.22%
U.s. Bancorp	8.7%	5.69%	5.35%	6.54%	33.2%
Icici Bank Ltd.	-5.79%	13.84%	7.66%	44.65%	191.82%
Pnc Financial Services Group, Inc.	9.05%	9.5%	12.46%	30.95%	85.92%
Mizuho Financial Group, Inc.	12.03%	17.2%	56.26%	191.19%	141.24%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Citizens Financial Services Inc	9.19	9.19	0.0	6.9	0.11	0.01	0.03	65.25
Nu Holdings Ltd.	31.43	31.43	NA	0.61	0.28	0.04	NA	1.98
U.s. Bancorp	11.64	11.64	1.8	4.38	0.12	0.01	0.04	35.02
Icici Bank Ltd.	18.89	18.89	0.0	1.52	0.18	0.02	0.01	461.87
Pnc Financial Services Group, Inc.	14.19	14.19	2.27	15.53	0.11	0.01	0.03	131.61
Mizuho Financial Group, Inc.	13.9	13.9	1.33	0.0	0.08	0.0	0.03	4217.53

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Citizens Financial Services Inc	Buy	$290.8M	4.25%	9.19	30.33%
Nu Holdings Ltd.	Buy	$71.4B	43.22%	31.43	39.32%
U.s. Bancorp	Hold	$75.7B	33.2%	11.64	27.0%
Icici Bank Ltd.	Buy	$115.4B	191.82%	18.89	25.74%
Pnc Financial Services Group, Inc.	Buy	$81.7B	85.92%	14.19	29.23%
Mizuho Financial Group, Inc.	Buy	$83.1B	141.24%	13.9	22.79%

About Citizens Financial Services Inc

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers 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 provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

Organization	Citizens Financial Services
Employees	380
CEO	Mr. Randall E. Black
Industry	Regional Banks

Key Management of Citizens Financial Services Inc

Name	Title
Mr. Randall E. Black	President, CEO & Director
Mr. Jeffrey L. Wilson	Executive VP & Chief Lending Officer of First Citizens Community Bank
Mr. Stephen J. Guillaume	Executive VP & CFO
Mr. Jeffrey R. White	Chief Operating Officer
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
Marina Smalanaskas	Senior VP & Southcentral Market Executive
Mr. Anthony Manerchia	Senior VP & Chief Banking Officer
Ms. Gina Marie Boor	Corporate Secretary
Mr. Jeffrey B. Carr	Senior VP & Chief Retail Banking Officer of First Citizens Community Bank

Important FAQs about investing in CZFS Stock from India :

What is Citizens Financial Services share price today?

Citizens Financial Services share price today is $59.76 as on August 30, 2025 at 1:29 am IST at the close of the market. Citizens Financial Services share today touched a day high of $60.20 and a low of $59.76.

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

Citizens Financial Services share touched a 52 week high of $74.65 and a 52 week low of $49.33. Citizens Financial Services stock price today i.e. August 30, 2025 at 1:29 am IST is closed at $59.76, lower by 19.95% versus the 52 week high.

How to invest in Citizens Financial Services 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 on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Citizens Financial Services Shares that will get you 0.0251 shares as per Citizens Financial Services share price of $59.76 per share as on August 30, 2025 at 1:29 am IST.

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

Indian investors can start investing in Citizens Financial Services (CZFS) shares with as little as ₹88.286 or $1 (as of August 31, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹882.86 in Citizens Financial Services stock (as per the Rupee-Dollar exchange rate as on August 31, 2025). Based on Citizens Financial Services share’s latest price of $59.76 as on August 30, 2025 at 1:29 am IST, you will get 0.1673 shares of Citizens Financial Services. Learn more about fractional shares .

What are the returns that Citizens Financial Services has given to Indian investors in the last 5 years?

Citizens Financial Services stock has given 4.25% share price returns and 20.51% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?