Citizens Financial Services, Inc.
NCM: CZFSLive Quote
📈 ZcoreAI Score
Our AI model analyzes Citizens Financial Services, Inc.'s price action across multiple timeframes using regression channels and statistical scoring.
Get CZFS Z-Score →About Citizens Financial Services, Inc.
Financial Services
Banks - Regional
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; loan products, including 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 founded in 1984 and is headquartered in Mansfield, Pennsylvania.
📊 Fundamental Analysis
Citizens Financial Services, Inc. demonstrates exceptional profitability, with a profit margin of 33.3%.
The company recently reported 9.7% revenue growth, which is above average for the Financial Services sector.
Return on Equity (ROE) is 11.5%, which suggests room for improvement in capital utilization.
At a current price of $66.78, CZFS currently trades near the top of its 52-week range (87%) (Range: $49.99 - $69.30).
💰 Valuation Insight
CZFS is valued broadly in line with the sector at a PE of 8.76. Analysts expect earnings growth, as indicated by a lower forward PE.
🏥 Financial Health
✅
Profit Margin
Excellent
✅
Revenue Growth
Excellent
🔴
Return on Equity
Weak
✅
Beta (Risk)
Low Volatility
Key Financials
Market Cap
$321.03M
Trailing P/E
8.76
Forward P/E
8.42
Beta (5Y)
0.41
52W High
$69.30
52W Low
$49.99
Avg Volume
11K
Day High
Day Low