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  5. CZFS
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CZFS

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    Overview
    Forecast
    Valuation
    Earnings
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
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1.790
+7.61%
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1.810
+14.26%
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1.830
+3.98%
Estimates Revision
The market is revising No Change the revenue expectations for Citizens Financial Services, Inc. (CZFS) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by -6.99%.
Revenue Estimates for FY2025
No Change
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0.00%
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EPS Estimates for FY2025
No Change
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Stock Price
Go Down
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-6.99%
In Past 3 Month

Valuation Metrics

The current forward P/E ratio for Citizens Financial Services Inc (CZFS.O) is 7.85, compared to its 5-year average forward P/E of 9.46. For a more detailed relative valuation and DCF analysis to assess Citizens Financial Services Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
9.46
Current PE
7.85
Overvalued PE
11.78
Undervalued PE
7.15

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
2.49
Current PS
0.00
Overvalued PS
4.04
Undervalued PS
0.93
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Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
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Free Cash Flow
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FCF Margin - %
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Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders areBuying! The selling amount has increased 3671.08% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areBuying! The selling amount has increased 3671.08% over the last month.
Sold
Bought
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CZFS News & Events

Events Timeline

(ET)
2025-04-30
08:44:00
Citizens Financial Services reports Q1 EPS $1.60 vs. $1.48 last year
select
2025-01-30 (ET)
2025-01-30
15:27:59
Citizens Financial Services reports Q4 EPS $1.68 vs. $1.59 last year
select
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News

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4.0
11-01NASDAQ.COM
Daily Upgrade Report for Validea Martin Zweig Strategy - November 1, 2025
  • Tradeweb Markets Inc. Rating: Tradeweb Markets Inc. (TW) received an upgrade in its rating from 69% to 85% based on its strong fundamentals and valuation, indicating significant interest from the investment strategy of Martin Zweig.

  • Timberland Bancorp Inc. Rating: Timberland Bancorp Inc. (TSBK) also saw its rating increase from 77% to 85%, reflecting positive underlying fundamentals and valuation, suggesting it is a stock of interest according to Zweig's strategy.

  • Citizens Financial Services Inc. Rating: Citizens Financial Services Inc. (CZFS) experienced a similar upgrade in its rating from 77% to 85%, highlighting its strong fundamentals and valuation, which aligns with the criteria of Martin Zweig's investment approach.

  • About Martin Zweig and Validea: Martin Zweig's investment strategies have historically provided strong returns, and Validea offers research services based on the strategies of successful investors, including Zweig, to help guide investment decisions.

[object Object]
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9.5
10-30Newsfilter
CITIZENS FINANCIAL SERVICES, INC. RELEASES UNAUDITED FINANCIAL RESULTS FOR THIRD QUARTER 2025
  • Financial Performance: Citizens Financial Services, Inc. reported a net income of $26.1 million for the first nine months of 2025, a 31.5% increase from the previous year, driven by higher net interest income and a decrease in the provision for credit losses.

  • Interest Income Growth: The net interest income before the provision for credit losses rose to $71.8 million, a 12.9% increase compared to the same period in 2024, attributed to increased investment income and reduced interest expenses.

  • Asset Quality Improvement: Non-performing assets decreased by 19.6% since December 31, 2024, totaling $22.99 million as of September 30, 2025, reflecting improved loan performance and recoveries.

  • Dividends and Equity: The company declared a cash dividend of $0.50 per share, marking a 3.1% increase from the previous year, while stockholders' equity rose to $327.7 million, up from $299.7 million at the end of 2024.

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4.0
09-08NASDAQ.COM
Top Strong Buy Stocks for September 8th
  • Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including TAT Technologies Ltd., Citizens Financial Services, Inc., Agnico Eagle Mines Limited, Sterling Infrastructure, Inc., and T. Rowe Price Group, Inc., all of which have seen positive earnings estimate revisions over the past 60 days.

  • Semiconductor Market Growth: An under-the-radar semiconductor company is poised for growth, capitalizing on the increasing demand for Artificial Intelligence, Machine Learning, and Internet of Things, with the global semiconductor manufacturing market projected to grow significantly from $452 billion in 2021 to $971 billion by 2028.

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FAQ

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What is Citizens Financial Services Inc (CZFS) stock price today?

The current price of CZFS is 57.12 USD — it has increased 1.35 % in the last trading day.

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What is Citizens Financial Services Inc (CZFS)'s business?

Citizens Financial Services, Inc. is the holding company for First Citizens Community Bank (the Bank). 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. It 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.

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What is the price predicton of CZFS Stock?

Wall Street analysts forecast CZFS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZFS is  USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Citizens Financial Services Inc (CZFS)'s revenue for the last quarter?

Citizens Financial Services Inc revenue for the last quarter amounts to 28.79M USD, increased 15.45 % YoY.

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What is Citizens Financial Services Inc (CZFS)'s earnings per share (EPS) for the last quarter?

Citizens Financial Services Inc. EPS for the last quarter amounts to 2.09 USD, increased 33.12 % YoY.

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What changes have occurred in the market's expectations for Citizens Financial Services Inc (CZFS)'s fundamentals?

The market is revising No Change the revenue expectations for Citizens Financial Services, Inc. (CZFS) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by -6.99%.
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How many employees does Citizens Financial Services Inc (CZFS). have?

Citizens Financial Services Inc (CZFS) has 410 emplpoyees as of December 05 2025.

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What is Citizens Financial Services Inc (CZFS) market cap?

Today CZFS has the market capitalization of 274.54M USD.

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