_id

691058c0ccc777a4e85d5710

Ticker

CZFS

Name

Citizens Financial Services Inc. Common Stock

Exchange

NASDAQ

Address

15 South Main Street, Mansfield, PA, United States, 16933

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.firstcitizensbank.com

Description

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. Its loan products include 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 incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

Last Close

61.95

Volume

3364

Current Price

61.2

Change

-1.2106537530266344

Last Updated

2025-11-29T12:06:12.016Z

Image

-

Ipo Date

2001-01-02T00:00:00.000Z

Market Cap

268628416

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

0.97625

Sentiment Sources

4

Rating

5

Target Price

65

Strong Buy

1

Buy

0

Hold

0

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

44108000

Cost Of Revenue

15614000

Gross Profit

28494000

Operating Expenses

16134000

Operating Income

12360000

Interest Expense

15114000

Pretax Income

12360000

Net Income

10005000

Eps

2.0846069125190176

Dividends Per Share

2403000

Shares Outstanding

4806377

Income Tax Expense

2355000

EBITDA

11439000

Operating Margin

28.022127505214474

Total Other Income Expense Net

32152000

Cash

34895000

Short Term Investments

72757000

Receivables

11412000

Inventories

-

Total Current Assets

119064000

Property Plant Equipment

21508000

Total Assets

3056421000

Payables

3754000

Short Term Debt

-

Long Term Debt

279589000

Total Liabilities

2728739000

Equity

327682000

Depreciation

-2198000

Change In Working Capital

2248000

Cash From Operations

2875000

Capital Expenditures

1080000

Cash From Investing

-103543000

Cash From Financing

82259000

Net Change In Cash

-18409000

PE

7.8718

PB

0.896379170049011

ROE

3.0532650557552747

ROA

0.3273436480118413

FCF

1795000

Fcf Percent

0.040695565430307425

Piotroski FScore

3

Health Score

36

Deep Value Investing Score

8

Defensive Investing Score

6.5

Dividend Investing Score

3.5

Economic Moat Investing Score

7.8

Garp Investing Score

5

Growth Investing Score

4

Momentum Investing Score

4

Net Net Investing Score

3

Quality Investing Score

5.5

Value Investing Score

8.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

44108000

Quarters > 0 > income Statement > cost Of Revenue

15614000

Quarters > 0 > income Statement > gross Profit

28494000

Quarters > 0 > income Statement > operating Expenses

16134000

Quarters > 0 > income Statement > operating Income

12360000

Quarters > 0 > income Statement > interest Expense

15114000

Quarters > 0 > income Statement > pretax Income

12360000

Quarters > 0 > income Statement > net Income

10005000

Quarters > 0 > income Statement > eps

2.0846069125190176

Quarters > 0 > income Statement > dividends Per Share

2403000

Quarters > 0 > income Statement > shares Outstanding

4799466

Quarters > 0 > income Statement > income Tax Expense

2355000

Quarters > 0 > income Statement > EBITDA

11439000

Quarters > 0 > income Statement > operating Margin

28.022127505214474

Quarters > 0 > income Statement > total Other Income Expense Net

32152000

Quarters > 0 > balance Sheet > cash

34895000

Quarters > 0 > balance Sheet > short Term Investments

72757000

Quarters > 0 > balance Sheet > receivables

11412000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

119064000

Quarters > 0 > balance Sheet > property Plant Equipment

21508000

Quarters > 0 > balance Sheet > total Assets

3056421000

Quarters > 0 > balance Sheet > payables

3754000

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

279589000

Quarters > 0 > balance Sheet > total Liabilities

2728739000

Quarters > 0 > balance Sheet > equity

327682000

Quarters > 0 > cash Flow > net Income

10005000

Quarters > 0 > cash Flow > depreciation

-2198000

Quarters > 0 > cash Flow > change In Working Capital

2248000

Quarters > 0 > cash Flow > cash From Operations

2875000

Quarters > 0 > cash Flow > capital Expenditures

1080000

Quarters > 0 > cash Flow > cash From Investing

-103543000

Quarters > 0 > cash Flow > cash From Financing

82259000

Quarters > 0 > cash Flow > net Change In Cash

-18409000

Quarters > 0 > ratios > PE

2.0846069125190176

Quarters > 0 > ratios > PB

0.896379170049011

Quarters > 0 > ratios > ROE

3.0532650557552747

Quarters > 0 > ratios > ROA

0.3273436480118413

Quarters > 0 > ratios > FCF

1795000

Quarters > 0 > ratios > Piotroski FScore

3

Quarters > 0 > ratios > fcf Percent

0.040695565430307425

Quarters > 0 > health Score

36

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

42414000

Quarters > 1 > income Statement > cost Of Revenue

15851000

Quarters > 1 > income Statement > gross Profit

26563000

Quarters > 1 > income Statement > operating Expenses

16147000

Quarters > 1 > income Statement > operating Income

10416000

Quarters > 1 > income Statement > interest Expense

15101000

Quarters > 1 > income Statement > pretax Income

10416000

Quarters > 1 > income Statement > net Income

8463000

Quarters > 1 > income Statement > eps

1.7628084289862946

Quarters > 1 > income Statement > dividends Per Share

2388000

Quarters > 1 > income Statement > shares Outstanding

4800862

Quarters > 1 > income Statement > income Tax Expense

1953000

Quarters > 1 > income Statement > EBITDA

10888000

Quarters > 1 > income Statement > operating Margin

24.557928985712266

Quarters > 1 > income Statement > total Other Income Expense Net

19792000

Quarters > 1 > balance Sheet > cash

53304000

Quarters > 1 > balance Sheet > short Term Investments

63449000

Quarters > 1 > balance Sheet > receivables

10603000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

127356000

Quarters > 1 > balance Sheet > property Plant Equipment

21776000

Quarters > 1 > balance Sheet > total Assets

2967274000

Quarters > 1 > balance Sheet > payables

2741000

Quarters > 1 > balance Sheet > short Term Debt

-

Quarters > 1 > balance Sheet > long Term Debt

313219000

Quarters > 1 > balance Sheet > total Liabilities

2653621000

Quarters > 1 > balance Sheet > equity

313653000

Quarters > 1 > cash Flow > net Income

8463000

Quarters > 1 > cash Flow > depreciation

472000

Quarters > 1 > cash Flow > change In Working Capital

-86000

Quarters > 1 > cash Flow > cash From Operations

5984000

Quarters > 1 > cash Flow > capital Expenditures

495000

Quarters > 1 > cash Flow > cash From Investing

70694000

Quarters > 1 > cash Flow > cash From Financing

-63980000

Quarters > 1 > cash Flow > net Change In Cash

12698000

Quarters > 1 > ratios > PE

1.7628084289862946

Quarters > 1 > ratios > PB

0.9367446011994147

Quarters > 1 > ratios > ROE

2.6982047039244006

Quarters > 1 > ratios > ROA

0.2852112747255562

Quarters > 1 > ratios > FCF

5489000

Quarters > 1 > ratios > Piotroski FScore

3

Quarters > 1 > ratios > fcf Percent

0.12941481586268685

Quarters > 1 > health Score

45

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

42441000

Quarters > 2 > income Statement > cost Of Revenue

16637000

Quarters > 2 > income Statement > gross Profit

25804000

Quarters > 2 > income Statement > operating Expenses

16428000

Quarters > 2 > income Statement > operating Income

9376000

Quarters > 2 > income Statement > interest Expense

16012000

Quarters > 2 > income Statement > pretax Income

9376000

Quarters > 2 > income Statement > net Income

7621000

Quarters > 2 > income Statement > eps

1.6037650283263079

Quarters > 2 > income Statement > dividends Per Share

2355000

Quarters > 2 > income Statement > shares Outstanding

4751943

Quarters > 2 > income Statement > income Tax Expense

1755000

Quarters > 2 > income Statement > EBITDA

9825000

Quarters > 2 > income Statement > operating Margin

22.09184514973728

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

40606000

Quarters > 2 > balance Sheet > short Term Investments

44801000

Quarters > 2 > balance Sheet > receivables

10918000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

96325000

Quarters > 2 > balance Sheet > property Plant Equipment

21627000

Quarters > 2 > balance Sheet > total Assets

3016338000

Quarters > 2 > balance Sheet > payables

3143000

Quarters > 2 > balance Sheet > short Term Debt

-

Quarters > 2 > balance Sheet > long Term Debt

302027000

Quarters > 2 > balance Sheet > total Liabilities

2708042000

Quarters > 2 > balance Sheet > equity

308296000

Quarters > 2 > cash Flow > net Income

7621000

Quarters > 2 > cash Flow > depreciation

449000

Quarters > 2 > cash Flow > change In Working Capital

-2162000

Quarters > 2 > cash Flow > cash From Operations

10945000

Quarters > 2 > cash Flow > capital Expenditures

585000

Quarters > 2 > cash Flow > cash From Investing

-728000

Quarters > 2 > cash Flow > cash From Financing

-15633000

Quarters > 2 > cash Flow > net Change In Cash

-5416000

Quarters > 2 > ratios > PE

1.6037650283263079

Quarters > 2 > ratios > PB

0.9433106871318474

Quarters > 2 > ratios > ROE

2.4719749850792745

Quarters > 2 > ratios > ROA

0.25265736134345684

Quarters > 2 > ratios > FCF

10360000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.24410357908626093

Quarters > 2 > health Score

53

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

43132000

Quarters > 3 > income Statement > cost Of Revenue

16920000

Quarters > 3 > income Statement > gross Profit

26212000

Quarters > 3 > income Statement > operating Expenses

16668000

Quarters > 3 > income Statement > operating Income

9544000

Quarters > 3 > income Statement > interest Expense

16920000

Quarters > 3 > income Statement > pretax Income

9544000

Quarters > 3 > income Statement > net Income

7983000

Quarters > 3 > income Statement > eps

1.6797457340918105

Quarters > 3 > income Statement > dividends Per Share

2332000

Quarters > 3 > income Statement > shares Outstanding

4752505

Quarters > 3 > income Statement > income Tax Expense

1561000

Quarters > 3 > income Statement > EBITDA

9969000

Quarters > 3 > income Statement > operating Margin

22.1274227951405

Quarters > 3 > income Statement > total Other Income Expense Net

-425000

Quarters > 3 > balance Sheet > cash

46022000

Quarters > 3 > balance Sheet > short Term Investments

47117000

Quarters > 3 > balance Sheet > receivables

10307000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

103446000

Quarters > 3 > balance Sheet > property Plant Equipment

31361000

Quarters > 3 > balance Sheet > total Assets

3025724000

Quarters > 3 > balance Sheet > payables

4693000

Quarters > 3 > balance Sheet > short Term Debt

24910000

Quarters > 3 > balance Sheet > long Term Debt

272811000

Quarters > 3 > balance Sheet > total Liabilities

2725990000

Quarters > 3 > balance Sheet > equity

299734000

Quarters > 3 > cash Flow > net Income

7983000

Quarters > 3 > cash Flow > depreciation

425000

Quarters > 3 > cash Flow > change In Working Capital

-360000

Quarters > 3 > cash Flow > cash From Operations

10483000

Quarters > 3 > cash Flow > capital Expenditures

462000

Quarters > 3 > cash Flow > cash From Investing

-175000

Quarters > 3 > cash Flow > cash From Financing

-4869000

Quarters > 3 > cash Flow > net Change In Cash

5439000

Quarters > 3 > ratios > PE

1.6797457340918105

Quarters > 3 > ratios > PB

0.9703714159888435

Quarters > 3 > ratios > ROE

2.6633615138756364

Quarters > 3 > ratios > ROA

0.2638376798412545

Quarters > 3 > ratios > FCF

10021000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.23233330242047667

Quarters > 3 > health Score

53

Valuation > metrics > PE

7.8718

Valuation > metrics > PB

0.896379170049011

Valuation > final Score

90

Valuation > verdict

15.8% Undervalued

Profitability > metrics > ROE

3.0532650557552747

Profitability > metrics > ROA

8.403043741181214

Profitability > metrics > Net Margin

0.2268296000725492

Profitability > final Score

61

Profitability > verdict

Adequate

Risk > metrics > Debt Equity

8.327399735109038

Risk > metrics > Interest Coverage

0.8177848352520841

Risk > final Score

9

Risk > verdict

High

Liquidity > metrics > Current Ratio

31.716568993074056

Liquidity > metrics > Quick Ratio

31.716568993074056

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

90

Prev Valuations > 1

90

Prev Valuations > 2

90

Prev Profitabilities > 0

55

Prev Profitabilities > 1

56

Prev Profitabilities > 2

56

Prev Risks > 0

9

Prev Risks > 1

8

Prev Risks > 2

8

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-14T00:23:04.238Z