Citizens Financial Services, Inc. Common Stock (CZFS) Stock Price
CZFSStock
$80.03+50.49%52W
Market Cap$384.93M
P/E10.53x
PEG Ratio2.62
Div yield3.38%
Beta0.41
CZFS Share Price Chart
Favorite Metrics
Price vs S&P 500 (26W)11.08%
Price vs S&P 500 (4W)1.35%
PEG Ratio2.62
VGM Score67.59
P/E Ratio (Annual)10.53x
Indicated Dividend Yield (Annual)3.38%
CZFS Earnings Surprise History
| Quarter | Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|---|
| Q2 2026 | $1.98 | $2.12 | +7.07%(+$0.14) | |
| Q1 2026 | $1.98 | $2.16 | +9.09%(+$0.18) | |
| Q4 2025 | $2.07 | $2.18 | +5.31%(+$0.11) | |
| Q3 2025 | $1.76 | $2.09 | +18.75%(+$0.33) | |
| Q2 2025 | $1.60 | $1.76 | +10.00%(+$0.16) |
CZFS Analyst Recommendations
Jun 2026
Jul 2026
Aug 2026
Sep 2026
4.14
4.14
4.14
4.14
Industry Peers — State Banks(190)
| Symbol | Value Score | Growth Score | Momentum Score | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|---|---|---|
CZFSCitizens Financial Services, Inc. Common Stock | C | B | A | 1.0x | 12.1% | 1.3% | — | $80.03 |
| BNSBank of Nova Scotia | D | C | A | 1.7x | 11.4% | 0.7% | — | $91.60 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | C | 2.2x | 22.1% | 1.5% | — | $9.44 |
| BNYBank of New York Mellon Corporation | F | C | C | 2.3x | 14.8% | 1.3% | — | $143.30 |
| DBDeutsche Bank Aktiengesellschaft | A | C | D | 0.7x | 9.3% | 0.5% | — | $32.57 |
| XLFState Street Financial Select Sector SPDR ETF | — | — | C | — | — | — | — | $55.52 |
| FITBFifth Third Bancorp | D | C | D | 1.2x | 8.9% | 0.9% | — | $50.37 |
| STTState Street Corporation | C | B | C | 1.7x | 13.1% | 0.9% | — | $165.72 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | B | C | C | 1.0x | 14.3% | 1.1% | — | $3.96 |
| BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | B | C | C | 1.0x | 14.3% | 1.1% | — | $3.55 |
| MTBM&T Bank Corp. | B | B | D | 1.2x | 10.7% | 1.4% | — | $215.28 |
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.