Zacks Investment Research·17h ago
Best Income Stocks to Buy for July 6thCION, ESEA and CZFS made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 6, 2026.
Citizens Financial Services, Inc.(CZFS)Earnings, Financials & Key Ratios
CZFS•NASDAQ•Banking & Credit
$72.49
9.5× P/E·Price updated Jul 6, 2026
AboutCitizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts 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 mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.Show more
- Net Interest Income$98M+15.4%
- Total Revenue$173M+2.7%
- Net Income$37M+31.5%
- Return on Equity11.47%+19.4%
- Net Interest Margin3.2%+14.0%
- Efficiency Ratio37.3%-2.5%
- ROA1.2%+29.5%
- Equity / Assets11.03%+11.4%
- Book Value per Share70.43+11.7%
CZFS Price & Volume
Citizens Financial Services, Inc. (CZFS) stock price & volume — 10-year historical chart
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Stagnant Asset Growth Masks Persistent Margin Pressure
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Agricultural loan concentration exposure
Key Thesis Takeaways
- 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 demonstrates disciplined expense management with an efficiency ratio consistently between 36.2% and 39.4%, the heavy reliance on a $2.4 billion investment securities portfolio suggests limited organic loan growth potential.
- Investors should monitor the bank's ability to translate geographic expansion into meaningful balance sheet growth, as total assets have remained stagnant at approximately $3.0 billion over the last ten quarters.
Verdict Logic
while the bank maintains a stable 37.5% efficiency ratio and consistent profitability, the lack of asset growth beyond the $3.0 billion level warrants caution regarding future earnings expansion.
CZFS Growth Metrics
Citizens Financial Services, Inc. (CZFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.93%
5 Years16.22%
3 Years23%
TTM-
Profit CAGR
10 Years12.14%
5 Years7.82%
3 Years7.97%
TTM38.4%
EPS CAGR
10 Years8.5%
5 Years3.98%
3 Years2.38%
TTM38.58%
Return on Capital
10 Years8.18%
5 Years7.38%
3 Years5.46%
Last Year7.03%
CZFS Recent Earnings
Citizens Financial Services, Inc. (CZFS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 7/12 qtrs (100%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$2.16+9.1%
$1.98
Rev
$30M+2.4%
$29M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$2.18
—
Rev
$44M
—
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$2.18+5.3%
$2.07
Rev
$30M+0.7%
$29M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$2.18+5.3%
$2.07
Rev
$30M+0.7%
$29M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $2.16vs $1.98+9.1% | $30Mvs $29M+2.4% |
| Q2 2026 | Mar 12, 2026 | $2.18 | $44M |
| Q1 2026 | Jan 30, 2026 | $2.18vs $2.07+5.3% | $30Mvs $29M+0.7% |
| Q1 2026 | Jan 29, 2026 | $2.18vs $2.07+5.3% | $30Mvs $29M+0.7% |
Based on last 12 quarters of dataView full earnings history →
Latest CZFS News
Recent stock market news and headlines for Citizens Financial Services, Inc. (CZFS)
Zacks Investment Research·4 days ago
Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's WhyCitizens Financial Services (CZFS) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.
Zacks Investment Research·4 days ago
5 High-Efficiency Stocks With Strong Profit Potential to Buy NowEfficiency-focused screening highlights five stocks with above-industry operating and turnover metrics that may offer strong profit potential.
Zacks Investment Research·5 days ago
Best Momentum Stocks to Buy for July 1stDK, CZFS, and ALH made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on July 1, 2026.
Zacks Investment Research·5 days ago
Best Income Stocks to Buy for July 1stCZFS, LIEN and BCAL made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 1, 2026.
Peers Comparison
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 |
|---|---|---|---|---|---|---|---|
| $72.49 | $348.31M | 9.51 | 2.75% | 21.11% | 11.47% | 2.74% | |
| $29.64 | $267.97M | 15.12 | 27.11% | 18.05% | 11.51% | — | |
| $44.31 | $285.65M | 11.75 | 6.6% | 20.89% | 12.7% | — | |
| $36.33 | $231.36M | 14.59 | 7.88% | 20.41% | 9.76% | — | |
| $23.10 | $222.78M | 15.82 | -9.41% | 16.49% | 8% | — | |
| $17.03 | $427.06M | 22.41 | -10.72% | 15.32% | 6.19% | — |
Compare CZFS vs Peers
Citizens Financial Services, Inc. (CZFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CZFS SEC Filings & Documents
Citizens Financial Services, Inc. (CZFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 22, 2026·SEC
Material company update
Apr 29, 2026·SEC
Material company update
Apr 29, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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CZFS Frequently Asked Questions
Citizens Financial Services, Inc. (CZFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Citizens Financial Services, Inc. growing?
Citizens Financial Services, Inc. (CZFS) grew revenue by 2.7% over the past year. Growth has been modest.
Is CZFS profitable?
Yes, Citizens Financial Services, Inc. (CZFS) is profitable, generating $39.3M in net income for fiscal year 2025 (21.1% net margin).
Dividend & Returns
Does CZFS pay dividends?
Yes, Citizens Financial Services, Inc. (CZFS) pays a dividend with a yield of 2.74%. This makes it attractive for income-focused investors.
What is CZFS's return on equity?
Citizens Financial Services, Inc. (CZFS) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.
Industry Metrics
What is Citizens Financial Services, Inc.'s net interest margin?
Citizens Financial Services, Inc. (CZFS) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Citizens Financial Services, Inc.'s efficiency ratio?
Citizens Financial Services, Inc. (CZFS) has an efficiency ratio of 37.3%. This is excellent, indicating strong cost control.