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CF

Citizens Financial Services, Inc. (CZFS)

NASDAQ • Financial Services

$82.55
+$0.28 (+0.4%)
Market open

Last close at September 9, 2026 at 20:00 UTC

Open$81.8
Previous Close$82.55
Day Range$81.58 - $82.81
Avg. Volume (3M)32.7K
Market Cap$396.7M
P/E Ratio9.6
52 Week Range
$52.35$84.65
Next EarningsIn 49 daysOct 29, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$43.5M100%
Gross Profitminus cost of goods$29.2M67%
Operating Incomeminus R&D and overhead$12.3M28%
Net Incomeminus taxes and the rest$10.1M23%

In plain terms: out of every $100 in revenue, Citizens Financial Services, Inc. keeps $23 as net profit.

Fundamentals & Financials

Revenue (TTM)
$175.8M
Net Income (TTM)
$41M
EPS (TTM)
$8.57
ROA (TTM)
1.29%
Current Ratio
12.29
Dividend Yield
0.71%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+5.3%Q1 2026$2.18
+9.1%Q2 2026$2.16
+7.1%Q3 2026$2.12
Next

Oct 29

in 49 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

View full earnings history

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc. trades on the NASDAQ Capital Market as CZFS and operates as a community-focused banking company. It provides deposit, lending, and wealth-related services in regional banking, with revenue of $173.2 million in FY2025 across its Pennsylvania-rooted franchise and adjacent markets.

Name
Citizens Financial Services, Inc.
CEO
Randall E. Black
Website
www.firstcitizensbank.com
Industry
Financial Services
Year Founded
1932
Employees
389

Today's Snapshot

AI-generated

So far today, CZFS is trading slightly higher at 82.58, in line with a flat sector. CZFS is trading within 2.5% of its 52-week high of 84.65.

Trading Volume

Below 10d avg (24.2K)

19.6K

vs S&P 500 Today

Outperforming Market

+0.60%

Updated: September 10, 2026 at 16:52 UTC

Technical Indicators

4 Buy3 Neutral1 Sell
CZFS presents a modest buy stance as price sits close to the short-term band while remaining well above the long-term averages, indicating an underlying uptrend. Momentum indicators are mildly positive and MACD is near neutral, while RSI and CCI are steady, suggesting limited near-term conviction. Trend strength is subdued with ADX in the mid-teens, and volatility is moderate based on a roughly 3% ATR. On-balance volume shows some distribution even as price retains longer-term support, and the pivot sits slightly above the market. Technical takeaway: Modest buy bias driven by strength versus long-term averages amid moderate momentum and low trend intensity.
All signals
  • EMA (5 indicators)$68.34 - $81.95
    Buy
  • RSI (14)54.46
    Neutral
  • Stochastic %K (14, 3, 3)58.11
    Neutral
  • MACD Level (12, 26)1.13
    Neutral

Peers & Related Assets

CZNCCitizens & Northern Corporation
$25.74-0.3%
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$21.3-0.1%
FNLCThe First Bancorp, Inc.
$34.99+1.2%
NECBNortheast Community Bancorp, Inc.
$26.79+0.2%
TSBKTimberland Bancorp, Inc.
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FDBCFidelity D & D Bancorp, Inc.
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