CZFS

Citizens Financial Services, Inc.

$86.34

0.19%
SectorFinancial ServicesIndustryBanks - RegionalCountryUnited States

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.

Source: Yahoo Finance
AI summary

Price & performance

1M+4.0%
3M+15.9%
YTD+53.8%
1Y+51.6%
52-week range—
Beta0.93
Full chart and returns against a benchmark

Q-Score

48/ 100

Quality against peers; 50 is the peer median.

Growth47
Risk37
Performance51
Valuation59
Profitability56
Leverage61
Sentiment—
Every score and metric

News sentiment

Open News

Latest results · FY 2025

Revenue$9.9M+2.8%
Net income$36.6M+31.5%
Net margin370.1%+80.7 pts
Historical fundamentals

Revenue exposure

0%of revenue from outside the US
United States100%
Regions, segments, customers and suppliers

Valuation

CZFSIndustryP/E9.6713.82P/S42.353.54EV/EBITDA—50.98P/B1.181.35PEG0.370.71
Dividend yield2.34%
Every valuation metric

Earnings

Jan 28next report
EPS estimate$2.20
Beats (last 4 quarters)—
Average surprise—
EPS revisions (30d)—
Every quarter against its estimate