Citizens Financial Services, Inc. (CZFS) Stock

Citizens Financial Services, Inc. (CZFS) is a Financials stock trading at $68.15 (as of 2026-06-18), with a market capitalization of $312.46M and a trailing P/E of 8.5. 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.

Valuation — source: SEC EDGAR (first-party)
Price$68.15
Market Cap$312.46M
P/E Ratio8.5
EV / EBITDA6.0
Price / Book0.97
Price / Sales34.22
Dividend Yield2.9%
DCF Value (model)$108.94
DCF Upside vs Price59.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$9.88M
Net Margin370.1%
Return on Equity11.4%
Revenue Growth (YoY)-4.2%
EPS Growth (YoY)35.0%
FCF Growth (YoY)72.7%
Valuation vs Sector & Industry
Stock P/E8.5
Sector P/E (Financials)14.2
Industry P/E (Banking)12.4
vs Sector-40.1%
vs Industry-31.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($20.26M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEORandall E. Black
Employees379
CountryUS
IPO Date1999-01-04

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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CZFS earnings history · CZFS institutional & insider holders · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-06-18.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.