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CZFS
$63.17-0.63 (-0.99%)
After Hours$63.17+0.00 (+0.00%)· Last close May 11
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Citizens Financial Services, Inc. in the Financial Services sector is trading at $63.17. The stock is currently 9% below its 52-week high of $69.58, remaining 6.3% above its 200-day moving average. Technical signals show neutral RSI of 37 and bearish MACD signal, explaining why CZFS maintains its current momentum and trend strength. The Whystock Score of 80/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 37) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$63.17
Potential Upside
119.5%
Whystock Fair Value$138.65
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$331.60M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
9.05
Beta
Defensive asset. Lower volatility than the S&P 500.
0.41
Div Yield
Strong income play. Yield provides a meaningful total return floor.
290.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
9.35%
Volume
Today's trading volume
4,270
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Citizens Financial Services (CZFS) Beats Q1 Earnings and Revenue Estimates
Citizens Financial Services (CZFS) delivered earnings and revenue surprises of +9.09% and +2.42%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
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