Citizens Financial Services Inc
CZFS
NASDAQ
Banking
$77.26
USD
+0.38 (+0.49%)
At close: Jul 29, 2026, 4:00 PM EDT
Market Cap $369.40M
Volume 21.0K
About Citizens Financial Services Inc
Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company is headquartered in Mansfield Pennsylvania, Pennsylvania and currently employs 373 full-time employees. The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The company is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.
CEO
Mr. Randall Black
HQ
Mansfield Pennsylvania, PENNSYLVANIA, US
Founded
1993
Employees
373
Quantli Score
8.4
Outperform
Fin. Health
8.1
Profitability
7.6
Growth
9.0
Cash-Flow Q.
8.8
Key Metrics
7 metrics our research team weighs before forming a view on CZFS.
Based on Quantli research · SEC filings · as of Q1 2026
METRIC
VALUE
CHANGE
TREND (3Y)
Revenue Growth (TTM)
3.4%
-6.2 pp
Gross Margin (TTM)
66.1%
+5.6 pp
Operating Margin (TTM)
27.7%
+7.2 pp
Net Margin (TTM)
22.5%
+5.7 pp
ROE (TTM)
11.4%
+2.2 pp
EPS Growth (TTM)
38.3%
-21.2 pp
Free Cash Flow (TTM)
$42.77M
+48.1%
Financial Snapshot
Revenue
$175.04M
+3.4%
YoY
Gross Margin
66%
TTM
+9.3%
YoY
Net Income
$39.33M
+38.4%
YoY
Operating Cash Flow
$43.61M
+42.2%
YoY
Key Statistics
Open
$76.84
Previous Close
$76.88
Day Range
$76.66 - $78.20
52 Week Range
$49.99 - $78.68
Volume
21.0K
Average Volume (10 Days)
20.0K
Market Cap
$369.40M
P/E Ratio (TTM)
9.39
P/S Ratio (TTM)
2.11
Dividend Yield
2.60%
Valuation Measurement
Market Cap
$369.40M
Trailing P/E
9.39
Price / Sales
2.11
Price / Book
1.08
Financial Highlights
Profit Margin
22.5%
Return on Assets
1.3%
Return on Equity
11.4%
Revenue (TTM)
$175.04M
Net Income (TTM)
$39.33M
Diluted EPS (TTM)
$8.19
Total Cash (MRQ)
$26.80M
Levered FCF (TTM)
$42.77M
Turn research into action
Knowing a stock is strong is the start. Knowing how to invest in it when you spot good research is good returns.
