Citizens Financial Services maintains a highly conservative capital structure with an equity-to-assets ratio of 0.11, providing a robust buffer against credit risks inherent in its specialized agricultural and energy-focused loan portfolio. While the bank demo...
Price trend, volume and key moving averages
Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 30, 2026 | $2.12+7.1% vs $1.98 | $30M+1.4% vs $29M |
Q2 2026 Apr 29, 2026 | $2.16+9.1% vs $1.98 | $30M+2.4% vs $29M |
Q2 2026 Mar 12, 2026 | $2.18 vs — | $44M vs — |
Q1 2026 Jan 30, 2026 | $2.18+5.3% vs $2.07 | $30M+0.7% vs $29M |
BlackRock Inc. bought a new position in Citizens Financial Services Inc. (NASDAQ: CZFS) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund bought 354,551 shares of the company's stock, valued at approximately $25,684,000. BlackRock Inc. owned about 7.39% of Citizens Financial Services as of
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?
Citizens Financial Services is rated Buy, driven by strong profit growth, operational metrics, and discounted valuation despite recent share price gains. CZFS's Q2 2026 EPS beat expectations, net interest margin expanded to 3.69%, and tangible book value per share rose 17.6% year over year. Forward PE of 9.29 remains below regional peers, with the company likely to exceed its FY 2026 earnings projection.
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).
Benchmark CZFS against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Citizens Financial Services, Inc. (CZFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $78.28 | $376.13M | 10.27 | 11.24% | 32.63% | 11.47% | 2.54% | |
| $29.40 | $265.8M | 15.00 | 33.46% | 18.47% | 11.57% | — | |
| $42.76 | $275.97M | 11.34 | 8.34% | 20.89% | 12.7% | — | |
| $41.49 | $264.23M | 16.66 | 22.5% | 44.94% | 10.92% | — | |
| $21.23 | $204.74M | 14.54 | -9.39% | 14.64% | 6.77% | — | |
| $17.45 | $437.59M | 21.02 | 30.2% | 15.32% | 6.19% | — |
Citizens Financial Services, Inc. (CZFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Citizens Financial Services, Inc. (CZFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 30, 2026·SEC
Jun 22, 2026·SEC
Apr 29, 2026·SEC
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Citizens Financial Services, Inc. (CZFS) stock FAQ — growth, dividends, profitability & financials explained
Citizens Financial Services, Inc. (CZFS) grew revenue by 11.2% over the past year. This is steady growth.
Yes, Citizens Financial Services, Inc. (CZFS) is profitable, generating $41.1M in net income for fiscal year 2025 (32.6% net margin).
Yes, Citizens Financial Services, Inc. (CZFS) pays a dividend with a yield of 2.54%. This makes it attractive for income-focused investors.
Citizens Financial Services, Inc. (CZFS) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.
Citizens Financial Services, Inc. (CZFS) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Citizens Financial Services, Inc. (CZFS) has an efficiency ratio of 57.7%. This is reasonable for a bank.
