What is CZFS's P/E ratio?

CITIZENS FINANCIAL SERVICES INC. COMMON STOCK (CZFS) currently trades at a P/E ratio of 7.99.

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 3.10%.

What is CZFS's Deepscope Quality Score?

Deepscope 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?

Deepscope's AI Timing Score for CZFS is 70 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 (NASDAQ) Stock Analysis | CITIZENS FINANCIAL SERVICES INC. COMMON STOCK

Stock Check Daily update data at 9:30 AM
(Price: 2026-06-04 | FS: 2026-03-31)

CZFS

CITIZENS FINANCIAL SERVICES INC. COMMON STOCK

USD 64.19

1.54 (2.46%) Day Change

Watchlist Portfolio Compare Chart

7.99

P/E

0.58

D/E

11.5%

ROE

1.3%

ROA

3.10%

Div Yield

0.76

PEG

CITIZENS FINANCIAL SERVICES INC. COMMON STOCK
TYPE: STOCK
MARKET: NASDAQ

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USD 64.19 Price 1.54 (2.46%) Day Change	NEWS SCORE: 99

CZFS, the overall quality is not quite good ( Quality = 54) but the timing to buy is ...(Sign In to See)...

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54 QUALITY

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: Lorem ipsum dolor sit amet

Unlock timing signals and detailed reasons

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	1600
Magic Formula Rank by ROE	1600
Magic Formula Rank by ROIC	1846
Price	64.19
PBV / Sector	0.91 / 1.15 GREAT
Earning Per Share	8.04

PE / Sector	7.99 / 12.90 GREAT
PEG or PE/Growth / Sector	0.76 / 0.62
Average 1M Daily Value	0.36 M GREAT
Average 1W Daily Value	0.49 M GREAT

Timing Factors

28%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

56%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

77%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	22.50 / 18.84 GREAT
NPM Average (%) / Sector	20.83 / 19,649.48 GREAT
NPM Change Average (%) / Sector	1.04 / -14.03
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	1.30 / 1.13
ROA Average (%) / Sector	1.05 / 1.09
ROA Change Average (%) / Sector	10.08 / -15.55 GOOD
ROE (%) / Sector	11.45 / 10.39
ROE Average (%) / Sector	10.49 / 10.17
ROE Change Average (%) / Sector	2.99 / -12.58
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

62%

Dividend (%) / Sector	3.10 / 2.83 GOOD
Dividend Average (%) / Sector	3.17 / 3.78
Dividend Change Average (%) / Sector	3.46 / 3.56

Registration Details

Analyze Date	2026-06-06 09:09:22
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	314.10 / 5,945.69

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

Sector: Financial Services >> Banks - Regional

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.