Citizens Financial Services share price logo

Citizens Financial Services

NASDAQ: CZFS

Small Cap

$85.35

+0.45

(+0.53%)

as on

Citizens Financial Services Stock Performance

as on November 2, 2026 at 2:15 pm IST

  • Day's Low

    Day's High

    $84.65
    $87.84
    downward going graph

    0.82%

    Downside

    2.92%

    Upside

    downward going graph

  • 52 Week's Low

    52 Week's High

    $53.14
    $88.20
    downward going graph

    37.74%

    Downside

    3.34%

    Upside

    downward going graph

Citizens Financial Services share price movements today

Previous Close
$84.90
Open
$85.72
Volume
175.5K
Market Cap
$410.5M
Dividend Yield
2.37%
Day's Low - High
$84.65 - $87.84
52 Week Low - High
$53.14 - $88.20

Citizens Financial Services Historical Returns

1 Month Return
+ 5.5 %
3 Month Return
+ 10.1 %
1 Year Return
+ 55.78 %
3 Year Return
+ 65.4 %
5 Year Return
0 %

Citizens Financial Services Stock Fundamentals & Key Indicators

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

Market Cap

$410.5M

EPS (TTM)

8.56

Dividend Yield

2.37%

Quarterly Earnings Growth YOY

0.19%

PE Ratio (TTM)

9.54

Industry PE ratio

12.87

PEG Ratio

0.36

EBITDA

52.6M

Revenue (TTM)

176.1M

Profit Margin

49.94%

Return On Equity TTM

12.40%

Citizens Financial Services vs Peer Comparison

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

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %Dividend Yield %
Citizens Financial Services image
Citizens Financial Services
Buy$410.5MNA9.5449.94%2.37%
Mizuho Financial image
Mizuho Financial
Buy$117.0B282.76%13.3329.14%1.80%
China Merchants Bank image
China Merchants Bank
NA$166.9BNA7.4687.19%4.16%
US Bancorp image
US Bancorp
Buy$92.9B0.45%11.6264.71%3.52%
Icici Bank image
Icici Bank
Buy$105.5B39.05%16.9568.59%0.85%

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 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 investment value today

Current value as on today

₹1,66,621

Returns

₹66,621

(+66.62%)

Returns from Citizens Financial Services Stock

₹55,777 (+55.78%)

Dollar Impact

₹10,844 (+10.84%)

Analyst Recommendation on Citizens Financial Services 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. Average target price of $89

Citizens Financial Services Share Price Target

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

What analysts predicted

4.1%UPSIDE

Target Price

$89

Current Price

$85.35

Analyzed by

7 Analysts

Target

$89.00

Citizens Financial Services target price $89, a slight upside of 4.1% compared to current price of $85.35. According to 7 analysts rating.

Indian Investors' Interest in Citizens Financial Services Stock

Search interest for Citizens Financial Services Stock has decreased by -63% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-63% versus previous 30 day period

Citizens Financial Services Quarterly Profit & Loss

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Total Revenue
41
41
42
43
42
42
44
44
43
43
Gross Profit
24
22
25
26
25
26
28
29
29
29
Operating Income
8
6
9
9
9
10
12
13
12
12
EBITDA
9
6
9
9
9
10
12
13
13
12
Interest Expense
16
16
17
16
16
15
15
14
14
13
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
8
6
9
9
9
10
12
13
12
12
Income Tax Expense
1
1
1
1
1
1
2
2
2
2
Net Income
7
5
7
7
7
8
10
10
10
10
Net Profit Margin
57.51%
54.89%
59.56%
60.77%
60.80%
62.63%
64.60%
65.34%
66.65%
67.12%

Citizens Financial Services Annual Profit & Loss

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
56
64
70
81
85
93
138
168
173
Gross Profit
48
52
56
71
76
80
86
98
109
Operating Income
19
21
23
30
35
35
21
33
45
EBITDA
19
21
24
31
36
36
23
35
47
Interest Expense
5
9
12
8
7
11
46
67
61
Depreciation
0
0
1
1
1
1
1
1
2
Income Before Tax
19
21
23
30
35
35
21
33
45
Income Tax Expense
6
3
3
5
6
6
3
5
8
Net Income
13
18
19
25
29
29
17
27
36
Net Profit Margin
85.23%
82.17%
80.51%
87.14%
89.88%
86.14%
62.24%
58.22%
63.32%

Citizens Financial Services 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
Jun 2026
Net Income
7
5
7
7
7
8
10
10
10
10
Operating Cash Flow
13
3
6
10
10
5
2
16
18
0
Investing Cash Flow
23
-12
-79
0
0
70
-103
-6
29
-139
Financing Cash Flow
-59
18
71
-4
-15
-63
82
-7
-49
145
Change in Cash
-23
8
-1
5
-5
12
-18
3
-1
6

Citizens Financial Services 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

Check out the Institutions with significant holdings in Citizens Financial Services.

Funds
Holdings
Vanguard
4.67%
VANGUARD INDEX FUNDS
4.08%
iShares
3.79%
Avantis
2.06%
ROGER C JR GRAHAM
1.45%
See all

Citizens Financial Services News & Key Events

    Insights on Citizens Financial Services

    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 2 quarters, 43.51M → 47.29M (in $), with an average increase of 8.0% per quarter

    • imgPOSITIVE IMPACT

      Price Rise

      img

      In the last 6 months, CZFS stock has moved up by 39.2%

    • imgPOSITIVE IMPACT

      Profit Spike

      img

      Netprofit is up for the last 2 quarters, 10.18M → 11.92M (in $), with an average increase of 14.6% per quarter

    • imgPOSITIVE IMPACT

      Best in 1 Year

      img

      In the last 1 year, CZFS has outperformed top 5 stocks with highest market-cap in its industry

    • 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 170.6% return, outperforming this stock by 105.2%

    About Citizens Financial Services

    Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
    OrganisationCitizens Financial Services
    Headquarters15 South Main Street, Mansfield, PA, 16933, US
    IndustryBanks - Regional
    CEORandall E. Black

    Key Management of Citizens Financial Services

    Name

    Title

    Mr. Stephen J. Guillaume

    Executive VP, CFO & Treasurer

    Mr. Jeffrey R. White

    Executive VP & COO

    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. David Z. Richards Jr.

    Senior EVP, Director of Emerging Markets & Director

    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 share price today?

    Citizens Financial Services share price today is $85.35 as on at the close of the market. Citizens Financial Services share today touched a day high of $87.84 and a low of $84.65.

    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 $88.20 on and a 52 week low of $53.14 on . Citizens Financial Services stock price today i.e. is closed at $85.35,which is 3.23% down from its 52 week high and 60.62% up from its 52 week low.

    What is Citizens Financial Services's market capitalisation today?

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

    How to invest in Citizens Financial Services 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 on INDmoney app. Click on Buy button.

    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 ₹94.9000015258789 or $1 (as of ) using the INDmoney app.
    For example: If you want to invest $10 or ₹949.00 in Citizens Financial Services stock (as per the Rupee-Dollar exchange rate as on ). Based on Citizens Financial Services share’s latest price of $85.35 as on November 2, 2026 at 8:45 am IST, you will get 0.1172 shares of Citizens Financial Services. Learn more about fractional shares .