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CZFS Stock Price & Analysis — Citizens Financial Services Inc. Common Stock (Financial Services >> Banks - Regional)
CZFS FAQ
What is CZFS's P/E ratio?
Citizens Financial Services Inc. Common Stock (CZFS) currently trades at a P/E ratio of 9.33.
What is CZFS's ROE?
Citizens Financial Services Inc. Common Stock reports a Return on Equity (ROE) of 11.45%.
What is CZFS's dividend yield?
Citizens Financial Services Inc. Common Stock offers a dividend yield of 0.00%.
What is CZFS's Quality Score?
Our AI rates CZFS's overall financial quality at 54 out of 100, based on profitability, growth, debt and earnings stability.
Is now a good time to buy CZFS?
Our AI Timing Score for CZFS is 89 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.
Which sector does CZFS belong to?
Citizens Financial Services Inc. Common Stock is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange
CZFS AI Analysis Summary
Our AI summary for CZFS: Citizens Financial Services Inc. Common Stock (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 9.33, ROE of 11.45%, a dividend yield of 0.00%. Its financial Quality Score stands at 54/100 — mid-range fundamentals relative to the market. The AI Timing Score is 89/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.
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USD 77.52
Price
1.14
(1.49%)
Day Change
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CZFS, the overall quality is not quite good ( Quality = 54) but the timing to buy is ...(Sign In to See)...
Loading chart...
- Signal
- UNDERPERFORM
- Signal Description
- Company financial health is Not Good
- Reason
-
ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria
88 Sign in
TIMING
- Signal
- OUTPERFORM
- Signal Descri...
- Good
- Reason
- Momentum indicators aligned on the daily timeframe
In details, quality factors are not quite good , financial health is not quite good , and ability to make profit is good , ...
| Quality Factors |
|
54% |
| In Recommendations? | Not in any sections |
| Select Rate | 0.00 From 30 days period |
| Watch Rate | 0.00 From 30 days period |
| News Score | 99 |
| Magic Formula Rank by ROA |
1656
|
| Magic Formula Rank by ROE |
1656
|
| Magic Formula Rank by ROIC |
1893
|
| Price | 77.52 |
| PBV / Sector |
1.07 / 1.42
GREAT
|
| Earning Per Share | 8.31 |
| PE / Sector |
9.33 / 13.75
GREAT
|
| PEG or PE/Growth / Sector |
0.88 / 0.61
|
| Average 1M Daily Value |
1.38 M
GREAT
|
| Average 1W Daily Value |
2.31 M
GREAT
|
| Timing Factors |
|
42% |
| Financial Health |
|
56% |
| Ability to Make Profit |
|
77% |
| Return to Investors |
|
41% |
| Registration Details |
| Analyze Date | 2026-08-01 07:59:42 |
| Symbol | CZFS |
| Name | CITIZENS FINANCIAL SERVICES INC. COMMON STOCK |
| Sector | Financial Services >> Banks - Regional |
| Market | NASDAQ |
| Listed Shares | 4.80 M |
| Par Value | N/A |
| Calculated From | Quarter |
| Sign | N/A |
| Market Cap (M.USD) / Sector Average | 367.00 / 6,970.30 |
| News, Concensus, ... |
| Estimation Consensus | See at WSJ.com |
| Full details | See at WSJ.com |
| Chart | See in Chart feature |
| News | See at Yahoo Finance |
Address: 15 South Main Street, Mansfield, PA, United States, 16933
Phone: 570 662 2121
Website: https://www.firstcitizensbank.com
Employees: 386
Description: 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.
Analyst Ratings & Target Price
ME vs SECTOR Financial Services >> Banks - Regional
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