CZFS Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

1.790

+7.61%

1.810

+14.26%

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 10.45%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+10.45%

In Past 3 Month

Valuation Metrics

The current forward P/E ratio for Citizens Financial Services Inc (CZFS.O) is 7.64, compared to its 5-year average forward P/E of 9.48. For a more detailed relative valuation and DCF analysis to assess Citizens Financial Services Inc 's fair value, click here.

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.

5Y Average PE

9.48

Current PE

7.64

Overvalued PE

11.78

Undervalued PE

7.18

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.

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.

N/A

5Y Average PS

2.43

Current PS

0.00

Overvalued PS

4.02

Undervalued PS

0.85

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

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

CZFS News & Events

Events Timeline

No data

News

4.0

2025-11-01NASDAQ.COM

Daily Upgrade Report for Validea Martin Zweig Strategy - November 1, 2025

9.5

2025-10-30Newsfilter

CITIZENS FINANCIAL SERVICES, INC. RELEASES UNAUDITED FINANCIAL RESULTS FOR THIRD QUARTER 2025

4.0

2025-09-08NASDAQ.COM

Top Strong Buy Stocks for September 8th

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Frequently Asked Questions

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

The current price of CZFS is 59.93 USD — it has increased 1.51 % in the last trading day.

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.

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.

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.

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.

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

How many employees does Citizens Financial Services Inc (CZFS). have?

Citizens Financial Services Inc (CZFS) has 410 emplpoyees as of January 11 2026.

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

Today CZFS has the market capitalization of 288.05M USD.