Citizens Financial Services, Inc. Common Stock (CZFS) Stock Price

CZFSStock

$80.98+33.87%52W

Market Cap$389.50M

P/E10.75x

PEG Ratio2.82

Div yield3.38%

Beta0.39

CZFS Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)22.05%

Price vs S&P 500 (4W)4.27%

PEG Ratio2.82

VGM Score69.48

P/E Ratio (Annual)10.75x

Indicated Dividend Yield (Annual)3.38%

P/CF (Annual)10.76x

Book Value / Share (Quarterly)$71.51

P/TBV (Annual)0.82x

Indicated Dividend (Annual)$2.04

Revenue Growth (3Y)10.38%

Cash Flow / Share (Quarterly)$8.90

Payout Ratio (TTM)24.40%

Price vs S&P 500 (YTD)29.20%

Net Profit Margin (TTM)20.59%

EPS (TTM)$8.19

10-Day Avg Trading Volume0.04M

EPS Excl Extra (TTM)$8.19

Revenue Growth (5Y)11.63%

EPS (Annual)$7.62

Dividend / Share (Annual)$1.99

ROI (Annual)9.52%

Net Profit Margin (5Y Avg)34.80%

Cash / Share (Quarterly)$9.21

P/E Basic Excl Extra (TTM)9.99x

Revenue Growth QoQ (YoY)68.43%

EPS Growth (5Y)3.54%

P/E Normalized (Annual)10.75x

ROA (Last FY)1.19%

Revenue Growth TTM (YoY)45.73%

EBITD / Share (TTM)$10.87

ROE (5Y Avg)10.94%

Operating Margin (TTM)24.95%

Cash Flow / Share (Annual)$7.33

P/B Ratio1.14x

P/B Ratio (Quarterly)0.86x

Net Income / Employee (Annual)$98,000

ROA (TTM)1.30%

EPS Growth QoQ (YoY)36.16%

EV / EBITDA (TTM)9.95x

EPS Incl Extra (Annual)$7.62

3-Month Avg Trading Volume0.02M

52-Week Price Return33.87%

EV / Free Cash Flow (Annual)16.79x

P/E Incl Extra (TTM)9.99x

Tangible BV / Share (Quarterly)$71.07

P/S Ratio (Annual)3.33x

52-Week High$84.35

Operating Margin (5Y Avg)42.04%

EPS Excl Extra (Annual)$7.62

CapEx CAGR (5Y)6.63%

Tangible BV CAGR (5Y)11.76%

26-Week Price Return33.98%

13-Week Price Return22.51%

Total Debt / Equity (Annual)0.14x

Enterprise Value$591.75M

Revenue / Share Growth (5Y)8.20%

Book Value / Share Growth (5Y)7.68%

Revenue / Employee (Annual)$270,651,300,000

Pretax Margin (Annual)43.35%

Cash / Share (Annual)$6.53

3-Month Return Std Dev34.97%

Net Income / Employee (TTM)$105,400

EBITDA CAGR (5Y)13.63%

EBITDA Interim CAGR (5Y)12.57%

ROE (Last FY)10.82%

EPS Basic Excl Extra (Annual)$7.62

P/FCF (TTM)9.19x

EV / Free Cash Flow (TTM)13.84x

Total Debt / Equity (Quarterly)0.58x

EPS Incl Extra (TTM)$8.19

ROI (TTM)6.49%

Dividend Growth Rate (5Y)3.18%

P/S Ratio (TTM)3.10x

Pretax Margin (5Y Avg)42.04%

Revenue / Share (Annual)$20.42

Tangible BV / Share (Annual)$69.86

Forward P/E9.23x

Free OCF CAGR (5Y)26.50%

Price vs S&P 500 (52W)15.31%

P/E Ratio (TTM)9.99x

EPS Growth TTM (YoY)38.19%

Year-to-Date Return42.02%

5-Day Price Return0.06%

EPS Normalized (Annual)$7.62

ROA (5Y Avg)1.06%

Net Profit Margin (Annual)35.49%

Month-to-Date Return4.46%

Cash Flow / Share (TTM)$4.69

EBITD / Share (Annual)$9.86

EPS Growth (3Y)1.68%

Operating Margin (Annual)43.35%

LT Debt / Equity (Annual)0.08x

P/CF (TTM)9.01x

ROI (5Y Avg)9.26%

P/E Excl Extra (TTM)9.99x

LT Debt / Equity (Quarterly)0.58x

EPS Basic Excl Extra (TTM)$8.19

P/TBV (Quarterly)0.86x

Payout Ratio (Annual)26.11%

P/B Ratio (Annual)0.81x

Dividend / Share (TTM)$2.00

Pretax Margin (TTM)24.95%

Book Value / Share (Annual)$70.32

Price vs S&P 500 (13W)20.56%

Net Margin Growth (5Y)4.42%

Dividend Yield (TTM)2.44%

Beta0.39x

P/FCF (Annual)11.15x

Revenue / Share (TTM)$20.95

ROE (TTM)11.89%

52-Week Low$52.35

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CZFS Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 30, 2026	$1.98	$2.12	+7.07%(+$0.14)
Q1 2026	Apr 29, 2026	$1.98	$2.16	+9.09%(+$0.18)
Q4 2025	Jan 29, 2026	$2.07	$2.18	+5.31%(+$0.11)
Q3 2025	Oct 30, 2025	$1.76	$2.09	+18.75%(+$0.33)
Q2 2025	Jul 30, 2025	$1.60	$1.76	+10.00%(+$0.16)

CZFS Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.14

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
CZFSCitizens Financial Services, Inc. Common Stock	B	B	A	$80.98
BNSBank of Nova Scotia	C	C	A	$92.39
BNYBank of New York Mellon Corporation	F	B	A	$162.50
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.50
DBDeutsche Bank Aktiengesellschaft	A	C	B	$40.36
STTState Street Corporation	C	B	A	$193.33
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.10
FITBFifth Third Bancorp	D	C	C	$54.54
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
MTBM&T Bank Corp.	C	B	C	$237.29
NTRSNorthern Trust Corp	D	C	B	$186.79
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.03
CFGCitizens Financial Group, Inc.	C	C	B	$69.71
FCNCAFirst Citizens BancShares Inc	C	B	C	$2194.07
EWBCEast-West Bancorp Inc	C	B	C	$129.44
ALLYAlly Financial Inc.	A	C	D	$42.18
BPOPPopular Inc	C	C	B	$169.75
WTFCWintrust Financial Corp	B	B	D	$152.95
SSBSouthState Bank Corporation	C	B	C	$105.98
PBProsperity Bancshares Inc	D	D	D	$72.30
WALWestern Alliance Bancorporation	B	B	D	$78.53
COLBColumbia Banking Systems Inc	B	C	D	$30.07
CBSHCommerce Bancshares Inc	C	D	D	$58.04
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	A	$32.60
UBSIUnited Bankshares Inc	C	C	C	$47.60
GBCIGlacier Bancorp Inc	D	C	D	$46.88
HWCHancock Whitney Corporation Common Stock	C	C	C	$75.07
HOMBHome BancShares, Inc.	C	D	D	$29.62
ASBAssociated Banc-Corp	B	C	C	$30.92
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.66
ABCBAmeris Bancorp	D	C	D	$85.59
FFINFirst Financial Bankshares Inc	D	D	F	$33.39
SFBSServisFirst Bancshares Inc.	D	B	D	$43.20
IBOCInternational Bancshares Corp	C	C	F	$70.93
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.64
FBPFirst BanCorp.	C	C	B	$28.01
UCBUnited Community Banks, Inc.	B	B	D	$35.18
CATYCathay General Bancorp	C	C	C	$61.87
CVBFCVB Financial Corp	D	D	D	$22.19
INDBIndependent Bank Corp/MA	C	C	D	$82.06
RNSTRenasant Corporation	C	B	D	$41.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.04
MCHBMechanics Bancorp Class A Common Stock	D	C	C	$15.89
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.37
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.79
BOHBank of Hawaii Corp.	C	C	D	$77.29
FBKFB Financial Corporation	D	B	D	$57.85
CUBICUSTOMERS BANCORP INC	B	B	D	$78.58
FBNCFirst Bancorp/NC	D	C	C	$63.99
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$30.29
SYBTStock Yards Bancorp, Inc.	D	C	C	$79.84

About Citizens Financial Services, Inc. Common Stock

Citizens Financial Services Inc is a Pennsylvania-chartered bank providing comprehensive financial services to individual, business, governmental, and institutional customers. The company offers deposit accounts and specialized lending across residential, commercial, agricultural, and consumer segments. Through its Trust and Investment division, it delivers wealth management, estate planning, retirement planning, and investment management services.