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CZFS
$61.32-1.84 (-2.91%)
Market ClosedLast close May 1
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 $61.32. The stock is currently 12% below its 52-week high of $69.58, remaining 3.4% above its 200-day moving average. Technical signals show neutral RSI of 33 and bearish MACD signal, explaining why CZFS maintains its current momentum and trend strength. The Whystock Score of 95/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Oversold momentum (RSI 33) — potential for technical mean-reversion
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$61.32
Potential Upside
119.5%
Whystock Fair Value$134.59
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
4,525
Recent News
Discover Citizens Financial Services And Two More Top Dividend Stocks
Over the last 7 days, the United States market has remained flat, yet it is up 28% over the past year with earnings forecasted to grow by 16% annually. In such a dynamic environment, identifying strong dividend stocks like Citizens Financial Services can provide investors with steady income and potential growth opportunities amidst fluctuating market conditions.
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?
HBT Financial (HBT) Surpasses Q1 Earnings and Revenue Estimates
HBT Financial (HBT) delivered earnings and revenue surprises of +9.68% and +0.72%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
Pathward Financial (CASH) Matches Q2 Earnings Estimates
Pathward (CASH) delivered earnings and revenue surprises of 0.00% and +1.89%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
Citizens Financial Services (CZFS) Could Be a Great Choice
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.