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CF

Citizens Financial Services, Inc. (CZFS)

NASDAQ • Financial Services

$84.57
+$0.83 (+1.0%)
Market closed

Last close at October 23, 2026 at 20:00 UTC

Open$83.08
Day Range$83.08 - $84.99
Avg. Volume (3M)36.8K
Market Cap$406.7M
P/E Ratio9.9
52 Week Range
$52.35$84.99

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)
$176.1M
Net Income (TTM)
$41M
EPS (TTM)
$8.56
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

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

Next report — what to expect

Citizens Financial Services, Inc. (CZFS) reports on October 29, 2026. Wall Street expects EPS of $2.20 on revenue of $31.0 million. For trailing context, revenue grew +2.6% year over year last quarter. CZFS has beaten EPS in 8 of 8 most recent quarters, setting expectations for consistency.

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

The day ended with CZFS 1% higher at 84.57, outperforming a weaker sector. CZFS closed within 0.5% of its 52-week high of 84.99.

Trading Volume

Above 10d avg 33.9K

34.3K

vs S&P 500 Today

Outperforming Market

+1.52%

Updated: October 23, 2026 at 20:12 UTC

Technical Indicators

6 Buy1 Neutral1 Sell
CZFS presents a bullish setup with the current price near 84.57 and trading well above short, medium and the 200-day moving averages clustered near 70.11, reflecting broad upward pressure. Momentum indicators are supportive as a high CCI and positive MACD complement an RSI in the upper range, while on-balance volume confirms accumulation. Trend strength is limited with ADX around 14.9, and Bollinger positioning shows the price near the upper band, suggesting a short-term stretch. Technical takeaway: buy—momentum and moving averages favor the uptrend, though trend strength is modest.
All signals
  • EMA (5 indicators)$70.81 - $81.27
    Buy
  • RSI (14)66.25
    Neutral
  • Stochastic %K (14, 3, 3)90.14
    Sell
  • MACD Level (12, 26)0.56
    Buy

Peers & Related Assets

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NECBNortheast Community Bancorp, Inc.
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FDBCFidelity D & D Bancorp, Inc.
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