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CZFSCitizens Financial Services, Inc.
$67.96$327M
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CZFS logo

Citizens Financial Services, Inc. (CZFS) Price Target Analysis

Analyst Rating: Buy
Based on 2 analysts

No Target Data

CZFS trades at Wall Street's consensus target of —.

Current Price$67.96
Average Target—
Low—
Median—
High—

Analyst Target Range

Forward P/E8.3x
(Value)
PEG Ratio2.08
(Pricey)
Implied Growth+8.0%
(Low)
Analyst Spread—

Price Forecast (1 Year)

Last 12 months price action with 12-month analyst target path

Current$67.96
Consensus—
High—
Low—

Consensus Scenario Assumptions

The base valuation assumes CZFS achieves its forward estimates and maintains a stable P/E multiple of 8.3x. This scenario reflects the blended consensus of 2 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.

Analyst Ratings Distribution

Breakdown of 2 published analyst recommendations for CZFS

2/2 analysts are bullish
+50
BearishBullish
Weighted analyst sentiment score based on 2 ratings
ConsensusBuy
Coverage2 Analysts
Net Score+50
Bull / Bear100% / 0%
Strong Buy00%
Buy2100%
Hold00%
Sell00%
Strong Sell00%
Strong Buy
00%
Buy
2100%
Hold
00%
Sell
00%
Strong Sell
00%
Recommendation Mix100% Buy · 0% Hold · 0% Sell
Buy (2)Hold (0)Sell (0)

CZFS Price Target Analysis

Updated June 21, 2026

As of June 21, 2026, Citizens Financial Services, Inc. (CZFS) has a Wall Street consensus price target of N/A, based on estimates from 2 covering analysts. The company has a market capitalization of $327M.

Analyst price targets range from a low of N/A to a high of N/A.

The current analyst consensus rating is Buy, with 2 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.

From a valuation perspective, CZFS trades at a trailing P/E of 8.9x and forward P/E of 8.3x. The forward PEG ratio of 2.08 reflects a premium valuation. Analysts expect EPS to grow +8.0% over the next year.

Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $82.84, with bear and bull scenarios of $52.19 and $109.16 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.

Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.

Analyst Sentiment Comparison

Industry Peer Analysis
Avg Peer Upside
+0.9%
Industry Consensus
Avg Forward P/E
9.4x
(Value)
Peers with Coverage
6 / 10
Active Analyst Tracking
CompanyMarket CapPriceTargetUpside PotentialRatingFwd P/EAnalysts
FXNC logo
FXNCFirst National Corporation
$265M$29.36$21.00
-28.5%
Buy12.5x1
FUNC logo
FUNCFirst United Corporation
$277M$42.58$25.00
-41.3%
Buy9.8x1
NKSH logo
NKSHNational Bankshares, Inc.
$225M$35.30——Buy11.0x4
CZWI logo
CZWICitizens Community Bancorp, Inc.
$205M$21.34——Buy11.7x2
PBFS logo
PBFSPioneer Bancorp, Inc.
$429M$17.10—————
FMNB logo
FMNBFarmers National Banc Corp.
$556M$14.14$16.00
+13.2%
Hold9.4x7
MNSB logo
MNSBMainStreet Bancshares, Inc.
$176M$23.86——Hold10.6x1
CHMG logo
CHMGChemung Financial Corporation
$341M$70.97$50.00
-29.5%
Hold9.9x7
FIS logo
FISFidelity National Information Services, Inc.
$19.7B$38.21$62.88
+64.6%
Buy6.1x37
JACK logo
JACKJack in the Box Inc.
$244M$12.80$16.23
+26.8%
Hold3.8x41

CZFS — Frequently Asked Questions

Quick answers to the most common questions about buying CZFS stock.

What is the CZFS stock price target for 2026?

The consensus price target for CZFS is $N/A, close to the current price of $67.96 (N/A% implied move). Based on 2 analyst estimates, the stock appears fairly valued near current levels.

Is CZFS a buy, sell, or hold?

CZFS has a consensus rating of "Buy" based on 2 Wall Street analysts. The rating breakdown is predominantly bullish, with 2 Buy/Strong Buy ratings. The consensus 12-month price target of $N/A implies N/A% upside from current levels.

Is CZFS stock overvalued or undervalued?

With a forward P/E of 8.2576x, CZFS trades at a relatively low valuation. The consensus target of $N/A implies N/A% appreciation, suggesting the market may be pricing in risks.

How high can CZFS stock go?

The most bullish Wall Street analyst has a price target of $N/A for CZFS, while the most conservative target is $N/A. The consensus of $N/A represents the median expectation. Our quantitative valuation model projects a bull case target of $109 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

How many analysts cover CZFS stock?

CZFS is lightly followed, with 2 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 0 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

What is the CZFS stock forecast?

The 12-month CZFS stock forecast based on 2 Wall Street analysts shows a consensus price target of $N/A, with estimates ranging from $N/A (bear case) to $N/A (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $83, with bear/bull scenarios of $52/$109.

What is CZFS's fair value based on fundamentals?

Our quantitative valuation model calculates CZFS's fair value at $83 (base case), with a bear case of $52 and bull case of $109. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.

What is CZFS's forward P/E ratio?

CZFS trades at a forward P/E ratio of 8.3x based on next-twelve-months earnings estimates compared to a trailing P/E of 8.9x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Should I buy CZFS stock?

CZFS appears fairly valued according to analysts, with a "Buy" rating and minimal upside to the $N/A target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

Why do CZFS price targets vary so much?

CZFS analyst price targets range from $N/A to $N/A, a NaN% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $N/A consensus represents the middle ground. Our model's $52-$109 range provides an independent fundamental perspective.

Consensus-Based Analysis Tools

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Peer Comparison

Compare growth, multiples, and margins vs sector.

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