Citizens Financial Services, Inc. (CZFS) is a Financials stock trading at $82.45 (as of 2026-08-21), with a market capitalization of $396.57M and a trailing P/E of 9.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Citizens Financial Services, Inc. is a bank holding company that provides banking, trust, and investment-related services through First Citizens Community Bank. It offers deposit and loan products to individuals, businesses, governmental entities, and institutions, as well as trust administration, investment management, brokerage/financial planning, retirement accounts, and related insurance services, supported by full-service branches in multiple locations in Pennsylvania, New York, and Delaware.
Citizens Financial Services, Inc. is a bank holding company that provides deposit products (checking, savings, and time deposits) and loan products (residential, commercial, and agricultural real estate, commercial and industrial, state and political subdivision, and consumer), serving individual, business, governmental, and institutional customers.
For a community bank, profitability is driven by balancing funding costs and operating efficiency, meaning the combination of deposit mix and cost sensitivity (for example, non-interest-bearing and low-cost deposit mix, and interest-bearing deposit beta) with how efficiently the bank operates (Efficiency Ratio).
| Trust | $0.0B |
| Brokerage and Insurance | $0.0B |
Business quality (Solid): Operating metrics and deposit mix indicators are provided, but the latest-quarter revenue input is shown as 0.0B, and only two reported segment revenue lines are provided, so some snapshot profitability conclusions are limited by data completeness.
Valuation: At 8× earnings, CZFS trades 33% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $82.45 |
| Market Cap | $396.57M |
| P/E Ratio | 9.7 |
| EV / EBITDA | 6.8 |
| Price / Book | 1.12 |
| Price / Sales | 40.24 |
| FCF Yield | 9.3% |
| DCF Value (model) | $152.01 |
| DCF Upside vs Price | 84.4% |
| Revenue (TTM) | $9.88M |
| Net Margin | 370.1% |
| Revenue Growth (YoY) | 3.2% |
| EPS Growth (YoY) | 20.5% |
| FCF Growth (YoY) | -106.9% |
| Stock P/E | 9.7 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -36.0% |
| vs Industry | -25.5% |
| Top Institutional Holder | BlackRock, Inc. ($20.26M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Randall E. Black |
| Employees | 379 |
| Country | US |
| IPO Date | 1999-01-04 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.