Citizens Financial Services(CZFS.US)

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Citizens Financial Services
CZFS.US
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. Its loan products include 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.
675.02 B
CZFS.USMarket value -Rank by Market Cap -/-

Financial Score

19/01/2026 Update
C
Regional BanksIndustry
Industry Ranking218/309
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE10.88%B
    • Profit Margin31.72%A
    • Gross Margin0.00%E
  • Growth ScoreB
    • Revenue YoY9.73%B
    • Net Profit YoY24.46%B
    • Total Assets YoY0.99%C
    • Net Assets YoY9.72%B
  • Cash ScoreC
    • Cash Flow Margin315.21%C
    • OCF YoY9.73%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

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Institutional View & Shareholder

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    News
    View More

    Citizens Financial Services Appoints Joseph B. Bower Jr. to Board of Directors

    Citizens Financial Services Inc. has appointed Joseph B. Bower, Jr. to its Board of Directors and the board of its subsidiary, First Citizens Community Bank. He will also serve on the Audit and Examination Committee. This announcement was published via EDGAR by the U.S. Securities and Exchange Commission.

    Reuters·
    US
    CZFS
    +2.63%
    Reuters·
    US
    CZFS
    +2.63%

    Citizens Financial Services Inc. Appoints Brittany Benton as Relationship Manager Associate

    Citizens Financial Services Inc. has appointed Brittany Benton as a Relationship Manager Associate in their Delaware Market. Benton brings expertise in farm loan management and agricultural banking to her new role.

    Reuters·
    US
    CZFS
    +2.63%
    Reuters·
    US
    CZFS
    +2.63%

    Financial services firm Citizens Q3 revenue misses estimates

    Citizens Financial Services reported Q3 2025 revenue of $62.8 million, falling short of analyst expectations of $63.5 million. However, adjusted net income rose 70% year-over-year. The company expanded its network of producing agents by 19% since Q3 2024 and anticipates revenue and profit growth for 2026, despite expected reductions in matured endowment benefit payments. The stock is currently trading at 18 times the next 12-month earnings, up from a P/E of 12 three months ago.

    Reuters·
    US
    CZFS
    +2.63%
    Reuters·
    US
    CZFS
    +2.63%

    Citizens Financial Services | 10-Q: FY2025 Q3 Revenue: USD 28.49 M

    LB filings·
    US
    CZFS
    +2.63%
    LB filings·
    US
    CZFS
    +2.63%

    Citizens Financial Services CEO Randall E. Black Buys 478 Shares

    Reporter NameBlack Randall ERelationshipCEO & PRESIDENT, 10% OwnerTypePurchaseAmount$25,862SEC FilingForm 4Randall E. Black, CEO & President of Citizens Financial Services, and a 10% owner and director of the company, purchased 478 shares of common stock on November 3, 2025. The transactions included 278 shares bought at $54.00 each and 200 shares at $54.25 each, totaling $25,862. Following these transactions, Black directly owns 44,013 shares and indirectly owns 316 shares through his spouse.SEC Filing: CITIZENS FINANCIAL SERVICES INC [ CZFS ] - Form 4 - Nov. 04, 2025

    TradingView·
    US
    CZFS
    +2.63%
    TradingView·
    US
    CZFS
    +2.63%
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