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Citizens Financial Services, In (CZFS)
$82.26-0.66 (-0.80%)
Market ClosedLast close Sep 8
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 $82.26 with a market capitalization of $399M. Wall Street consensus targets $89.00 (1 analysts), implying a +8.2% move over the next 12 months. The stock is currently near its 52-week high of $84.65, remaining 24.9% above its 200-day moving average. On fundamentals, Piotroski 4/9 shows mixed financial quality. The Whystock Score of 90/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side targets imply +8.2% upside over 12 months
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
Quarterly Financials
| Metric (USD) | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|
| Total Revenue | — | $29.80M↑ | $29.61M↑ | $28.99M↑ | $27.31M |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| Net Income | — | $10.38M↓ | $10.48M↑ | $10.01M↑ | $8.46M |
Peer Comparison
JPMBACGS
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).
$398.83M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
9.78
Beta
Defensive asset. Lower volatility than the S&P 500.
0.38
Div Yield
Strong income play. Yield provides a meaningful total return floor.
2.44%
ROE
Average efficiency. Growth may require heavy reinvestment.
11.63%
Volume
Today's trading volume
19,858
Recent News
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? Let's find out.
All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy
Citizens Financial Services (CZFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? Let's find out.
Best Momentum Stocks to Buy for August 14th
WDC and CZFS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 14, 2026.
New Strong Buy Stocks for August 14th
WDC, CECO, CHMG, CZFS and AMP have been added to the Zacks Rank #1 (Strong Buy) List on August 14, 2026.