Citizens Financial Services Inc. share price logo

Citizens Financial Services Inc.

NASDAQ: CZFS

Small Cap

$67.96

+1.51

(+2.27%)

as on

Citizens Financial Services Inc. Stock Performance

as on June 19, 2026 at 2:15 pm IST

  • Day's Low

    Day's High

    $66.00
    $68.17
    downward going graph

    2.88%

    Downside

    0.31%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $49.99
    $71.85
    downward going graph

    26.44%

    Downside

    5.72%

    Upside

    downward going graph

Citizens Financial Services Inc. share price movements today

Previous Close
$66.45
Open
$66.00
Volume
29.0K
Day's Low - High
$66.00 - $68.17
52 Week Low - High
$49.99 - $71.85

Citizens Financial Services Inc. Historical Returns

1 Month Return
+ 5.71 %
3 Month Return
+ 13.3 %
1 Year Return
+ 18.85 %
3 Year Return
-19.21 %
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

$324.6M

EPS (TTM)

8.23

Dividend Yield

2.99%

Quarterly Earnings Growth YOY

0.36%

PE Ratio (TTM)

8.25

Industry PE ratio

11.138357487922706

PEG Ratio

0

EBITDA

-

Revenue (TTM)

113.5M

Profit Margin

34.66%

Return On Equity TTM

12.07%

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

Today (8.25x)

June 19, 2026

Industry (11.14x)

June 19, 2026

Highest (11.50x)

June 30, 2023

LowHigh

Today’s Price to Earnings Ratio: 8.25x

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 %Dividend Yield %
BUY$324.6MNA8.2534.66%2.9899999999999998%
BUY$123.5B253.95%16.128.37%1.8800000000000001%
BUY$93.6B30.12%13.5531.31%2.85%
NA$154.4BNA7.2750.45%9.02%
BUY$100.0B65.72%17.7624.93%0.89%

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 Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

Citizens Financial Services Inc. investment value today

Current value as on today

₹1,29,464

Returns

₹29,464

(+29.46%)

Returns from Citizens Financial Services Inc. Stock

₹18,853 (+18.85%)

Dollar Impact

₹10,611 (+10.61%)

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 $71

Citizens Financial Services Inc. Share Price Target

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

What analysts predicted

4.28%UPSIDE

Target Price

$71

Current Price

$67.96

Analyzed by

7 Analysts

Target

$71.00

Citizens Financial Services Inc. target price $71, a slight upside of 4.28% compared to current price of $67.96. According to 7 analysts rating.

Citizens Financial Services Inc. Quarterly Profit & Loss

All numbers in Millions USD

Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Total Revenue
42
41
41
42
43
42
42
44
44
43
Gross Profit
25
24
22
25
26
25
26
28
29
29
Operating Income
9
8
6
9
9
9
10
12
12
12
EBITDA
9
9
6
9
9
9
10
11
13
13
Interest Expense
16
16
16
17
16
16
15
15
14
14
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
9
8
6
9
9
9
10
12
12
12
Income Tax Expense
1
1
1
1
1
1
1
2
2
2
Net Income
7
7
5
7
7
7
8
10
10
10
Net Profit Margin
17.95%
16.80%
12.79%
17.76%
18.51%
17.96%
19.95%
22.68%
23.57%
23.71%

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

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Net Income
7
5
7
7
7
8
10
10
10
Operating Cash Flow
13
3
6
10
10
5
2
12
18
Investing Cash Flow
23
-12
-79
0
0
70
-103
-1
29
Financing Cash Flow
-59
18
71
-4
-15
-63
82
-7
-49
Change in Cash
-23
8
-1
5
-5
12
-18
3
-1

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
34
Investing Cash Flow
-105
-72
-32
-110
-158
-362
59
-69
-37
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
American Century Companies Inc
0.92%
LAWOOD & CO
0.22%
Wayne Hummer Asset Mgmt Company
0.19%
Weatherly Asset Management LP
0.2%
Hudock Moyer Wealth Resources, LLC
0.85%

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

      Price Rise

      img

      In the last 6 months, CZFS stock has moved up by 15.4%

    • imgNO EFFECT

      Against Peers

      img

      In the last 3 years, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 244.5% return, outperforming this stock by 261.1%

    • imgNO EFFECT

      Against Peers

      img

      In the last 1 year, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 89.0% return, outperforming this stock by 68.3%

    • imgNEGATIVE IMPACT

      Profit Down

      img

      Netprofit is down for the last 2 quarters, 10.48M → 10.37M (in $), with an average decrease of 1.0% per quarter

    • imgNEGATIVE IMPACT

      Revenue Fall

      img

      Revenue is down for the last 2 quarters, 44.48M → 43.77M (in $), with an average decrease of 1.6% per quarter

    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; loan products, including 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 founded in 1984 and is headquartered in Mansfield, Pennsylvania.
    OrganisationCitizens Financial Services Inc.
    Headquarters15 South Main Street, Mansfield, PA, United States, 16933
    IndustryBanks - Regional
    CEOMr. Randall E. Black
    E-voting on sharesClick here to vote

    Key Management of Citizens Financial Services Inc.

    Name

    Title

    Mr. Jeffrey R. White

    Chief Operating Officer

    Mr. Jeffrey L. Wilson

    Executive VP & Chief Lending Officer of First Citizens Community Bank

    Ms. Cynthia T. Pazzaglia

    Senior Vice President of Human Resources

    Ms. Gina Marie Boor

    Corporate Secretary

    Mr. Jeffrey B. Carr

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

    Mr. Randall E. Black

    President, CEO & Vice Chairman

    Mr. Stephen J. Guillaume

    Executive VP & CFO

    Ms. Kathleen M. Campbell CFMP

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

    Marina Smalanaskas

    Senior VP & Southcentral Market Executive

    FAQs

    What is Citizens Financial Services Inc. share price today?

    Citizens Financial Services Inc. share price today is $67.96 as on at the close of the market. Citizens Financial Services Inc. share today touched a day high of $68.17 and a low of $66.

    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 $71.85 on and a 52 week low of $49.99 on . Citizens Financial Services Inc. stock price today i.e. is closed at $67.96,which is 5.41% down from its 52 week high and 35.95% 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 0.0221 shares as per Citizens Financial Services Inc. share price of $67.96 per share as on June 19, 2026 at 8:45 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 ₹94.31 or $1 (as of ) using the INDmoney app.
    For example: If you want to invest $10 or ₹943.10 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 $67.96 as on June 19, 2026 at 8:45 am IST, you will get 0.1471 shares of Citizens Financial Services Inc.. Learn more about fractional shares .