NASDAQ:CZFS

Citizens Financial Services - CZFS Stock Forecast, Price & News

$77.22

-1.80 (-2.28%)

(As of 09/7/2022 12:00 AM ET)

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Today's Range: $77.22
▼
$79.40
50-Day Range: $67.50
▼
$84.26
52-Week Range: $58.42
▼
$88.00

Volume: 1,212 shs
Average Volume: 3,500 shs
Market Capitalization: $306.56 million

P/E Ratio: 11.11
Dividend Yield: 2.40%
Price Target: N/A

Citizens Financial Services MarketRank™ Forecast

Analyst Rating: N/A
Upside/Downside: N/A
Short Interest: Healthy
0.07% of Float Sold Short
Dividend Strength: Moderate
Based on Four Factors
Sustainability: N/A
News Sentiment: 1.00
Based on 3 Articles This Week
Insider Trading: N/A
Proj. Earnings Growth: 9.20%
From $7.28 to $7.95 Per Share

Overall MarketRank^™

MarketRank is calculated as an average of available category scores, with extra weight given to analysis and valuation.

2.55 out of 5 stars

Finance Sector

342nd out of 870 stocks

State Commercial Banks Industry

66th out of 180 stocks

N/A

Analyst's Opinion

Consensus Rating
There is not enough analysis data for Citizens Financial Services.

5.0

Short Interest

Percentage of Shares Shorted
0.07% of the float of Citizens Financial Services has been sold short.
Short Interest Ratio / Days to Cover
Citizens Financial Services has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.
Change versus previous month
Short interest in Citizens Financial Services has recently decreased by 10.34%, indicating that investor sentiment is improving significantly.

2.5

Dividend Strength

Dividend Yield
Citizens Financial Services pays a meaningful dividend of 2.40%, higher than the bottom 25% of all stocks that pay dividends.
Dividend Growth
Citizens Financial Services does not have a long track record of dividend growth.
Dividend Coverage
The dividend payout ratio of Citizens Financial Services is 27.35%. This payout ratio is at a healthy, sustainable level, below 75%.
Dividend Sustainability
Based on earnings estimates, Citizens Financial Services will have a dividend payout ratio of 23.90% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend.

N/A

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
There is no current Upright™ data available for CZFS.

2.8

News and Social Media Coverage

News Sentiment
Citizens Financial Services has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.46 average news sentiment score of Finance companies.
News Coverage This Week
MarketBeat has tracked 3 news articles for Citizens Financial Services this week, compared to 0 articles on an average week.

0.0

Company Ownership

Insider Buying vs. Insider Selling
In the past three months, Citizens Financial Services insiders have not sold or bought any company stock.
Percentage Held by Insiders
Only 5.40% of the stock of Citizens Financial Services is held by insiders.
Percentage Held by Institutions
Only 5.52% of the stock of Citizens Financial Services is held by institutions.

2.5

Earnings and Valuation

Earnings Growth
Earnings for Citizens Financial Services are expected to grow by 9.20% in the coming year, from $7.28 to $7.95 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of Citizens Financial Services is 11.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 117.92.
Price to Earnings Ratio vs. Sector
The P/E ratio of Citizens Financial Services is 11.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 155.42.
Price to Book Value per Share Ratio
Citizens Financial Services has a P/B Ratio of 1.45. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

See Top Rated MarketRank™ Stocks Here

About Citizens Financial Services

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.

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CZFS Stock News Headlines

September 6, 2022 | finance.yahoo.com

Citizens Financial Services' (NASDAQ:CZFS) Upcoming Dividend Will Be Larger Than Last Year's

July 21, 2022 | finance.yahoo.com

CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2022 FINANCIAL RESULTS

July 26, 2021 | finance.yahoo.com

Citizens Financial Services, Inc. Reports Unaudited Second Quarter 2021 Financial Results

June 10, 2021 | nasdaq.com

Why Citizens Financial Services (CZFS) Stock Might be a Great Pick

April 23, 2021 | finance.yahoo.com

Citizens Financial Services, Inc. Reports Unaudited First Quarter 2021 Financial Results

March 26, 2021 | msn.com

Nigerian National, Babatope Joseph Aderinoye Sentenced For Multimillion-Dollar Fraud & Money Laundering Scheme Victimizing Senior Citizens, School Districts, Charities

March 26, 2021 | msn.com

Some new U.S. citizens were serenaded by Philadelphia Orchestra musicians

March 25, 2021 | msn.com

Delray Beach man accused of victimizing 8 senior citizens in COVID-19 relief fraud

March 24, 2021 | msn.com

Jackson to receive funding to bring financial counseling to citizens

March 22, 2021 | finance.yahoo.com

Citizens National Announces Launch Of New Products And Services In Florida

March 10, 2021 | markets.businessinsider.com

Citizens Announces Q4 And 2020 Financial Results

March 9, 2021 | finance.yahoo.com

Global Partners Announces Chief Financial Officer Succession

March 4, 2021 | msn.com

A plan to offer financial rewards for exercising is being considered - how would it work?

February 26, 2021 | sg.finance.yahoo.com

Guide To Subsidised Healthcare For Senior Citizens In Singapore

February 23, 2021 | msn.com

Universal Credit: Rishi Sunak warned Britons face ‘financial turmoil’ if £20 increase cut

February 11, 2021 | businesswire.com

Citizens Financial Group Announces Final Results of its Private Exchange Offers for Five Series of Subordinated Notes

February 8, 2021 | msn.com

Atlanta Police Chief Rodney Bryant working to regain citizens' trust

February 7, 2021 | msn.com

‘Success of digital financial services rests on rural India’s shift from cash to digital payments economy’

December 13, 2019 | finance.yahoo.com

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend

October 23, 2019 | finance.yahoo.com

Citizens Financial Services, Inc. Reports Unaudited Third Quarter 2019 Financial Results

October 23, 2019 | finance.yahoo.com

Citizens Financial Services (CZFS) Q3 Earnings and Revenues Surpass Estimates

September 18, 2019 | finance.yahoo.com

Citizens Financial Services, Inc. and MidCoast Community Bancorp, Inc. Sign Definitive Merger Agreement

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30 days | 90 days | 365 days | Advanced Chart

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CZFS Company Calendar

Ex-Dividend for 6/24 Dividend: 6/09/2022
Dividend Payable: 6/24/2022
Last Earnings: 7/21/2022
Today: 9/08/2022
Ex-Dividend for 9/30 Dividend: 9/15/2022
Dividend Payable: 9/30/2022
Next Earnings (Estimated): 10/25/2022
Fiscal Year End: 12/31/2022

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Industry, Sector and Symbol

Stock Exchange: NASDAQ
Industry: State commercial banks
Sub-Industry: N/A
Sector: Finance
Current Symbol: NASDAQ:CZFS
CUSIP: N/A
CIK: 739421
Web: www.firstcitizensbank.com
Phone: (570) 662-2121
Fax: 570-662-2365
Employees: 306
Year Founded: N/A

Profitability

EPS (Most Recent Fiscal Year): $6.9480
Trailing P/E Ratio: 11.11
Forward P/E Ratio: 10.61
P/E Growth: N/A
Net Income: $29.12 million
Net Margins: 32.85%
Pretax Margin: 40.08%
Return on Equity: 13.50%
Return on Assets: 1.29%

Debt

Debt-to-Equity Ratio: 0.57
Current Ratio: 0.86
Quick Ratio: 0.86

Sales & Book Value

Annual Sales: $85.52 million
Price / Sales: 3.58
Cash Flow: $6.85 per share
Price / Cash Flow: 11.28
Book Value: $53.34 per share
Price / Book: 1.45

Miscellaneous

Outstanding Shares: 3,970,000
Free Float: 3,756,000
Market Cap: $306.56 million
Optionable: Not Optionable
Beta: 0.30

Key Executives

Mr. Randall E. Black (Age 55)
Vice Chairman, Pres & CEO
Comp: $711.42k

Mr. Stephen J. Guillaume (Age 45)
Sr. VP & CFO
Comp: $152.74k

Mr. Mickey L. Jones CPA (Age 61)
CPA, Exec. VP, COO, Treasurer, Assistant Sec. & Director
Comp: $369.58k

Ms. Kathleen M. Campbell CFMP (Age 61)
Sr. VP, CFMP & Director of Marketing of First Citizens National Bank

Ms. Cynthia T. Pazzaglia (Age 63)
Sr. VP of HR

Mr. Robert B. Mosso J.D. (Age 51)
MBA, Sr. VP & Wealth Management Division Mang. of First Citizens Community Bank

Marina Smalanaskas (Age 50)
Sr. VP & Southcentral Market Exec.

Mr. Anthony Manerchia
Sr. VP & Chief Banking Officer

Mr. Jeffrey L. Wilson (Age 60)
Exec. VP & Chief Lending Officer of First Citizens Community Bank

Mr. Jeffrey B. Carr (Age 52)
Sr. VP & Chief Retail Banking Officer of First Citizens Community Bank

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View All Institutional Transactions

CZFS Stock - Frequently Asked Questions

Should I buy or sell Citizens Financial Services stock right now?: 1 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Citizens Financial Services in the last year. There are currently 1 buy rating for the stock. The consensus among Wall Street analysts is that investors should "buy" CZFS shares.
View CZFS analyst ratings or view top-rated stocks.
How have CZFS shares performed in 2022?: Citizens Financial Services' stock was trading at $60.69 at the beginning of the year. Since then, CZFS stock has increased by 27.2% and is now trading at $77.22.
View the best growth stocks for 2022 here.
When is Citizens Financial Services' next earnings date?: The company is scheduled to release its next quarterly earnings announcement on Tuesday, October 25th 2022.
View our CZFS earnings forecast.
How were Citizens Financial Services' earnings last quarter?: Citizens Financial Services, Inc. (NASDAQ:CZFS) released its quarterly earnings data on Thursday, July, 21st. The company reported $1.74 EPS for the quarter, meeting analysts' consensus estimates of $1.74. The firm had revenue of $20.03 million for the quarter, compared to analyst estimates of $19.75 million. Citizens Financial Services had a trailing twelve-month return on equity of 13.50% and a net margin of 32.85%.
How often does Citizens Financial Services pay dividends? What is the dividend yield for Citizens Financial Services?: Citizens Financial Services declared a quarterly dividend on Thursday, September 1st. Shareholders of record on Friday, September 16th will be given a dividend of $0.48 per share on Friday, September 30th. This represents a $1.92 dividend on an annualized basis and a dividend yield of 2.49%. The ex-dividend date is Thursday, September 15th. This is a boost from the stock's previous quarterly dividend of $0.48.
Read our dividend analysis for CZFS.
Is Citizens Financial Services a good dividend stock?: Citizens Financial Services (NASDAQ:CZFS) pays an annual dividend of $1.90 per share and currently has a dividend yield of 2.40%. The dividend payout ratio is 27.35%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZFS will have a dividend payout ratio of 23.90% next year. This indicates that the company will be able to sustain or increase its dividend.
Read our dividend analysis for CZFS.

What is Citizens Financial Services' stock symbol?: Citizens Financial Services trades on the NASDAQ under the ticker symbol "CZFS."
Who are Citizens Financial Services' major shareholders?: Citizens Financial Services' stock is owned by many different retail and institutional investors. Top institutional shareholders include Citizens & Northern Corp (2.18%), Hudock Inc. (1.02%), JFS Wealth Advisors LLC (0.76%), FMR LLC (0.52%), Maltese Capital Management LLC (0.32%) and Weatherly Asset Management L. P. (0.24%).
How do I buy shares of Citizens Financial Services?: Shares of CZFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.
Compare Top Brokerages Here.
What is Citizens Financial Services' stock price today?: One share of CZFS stock can currently be purchased for approximately $77.22.
How much money does Citizens Financial Services make?: Citizens Financial Services (NASDAQ:CZFS) has a market capitalization of $306.56 million and generates $85.52 million in revenue each year. The company earns $29.12 million in net income (profit) each year or $6.9480 on an earnings per share basis.
How many employees does Citizens Financial Services have?: The company employs 306 workers across the globe.
How can I contact Citizens Financial Services?: Citizens Financial Services' mailing address is 15 S MAIN ST, MANSFIELD PA, 16933. The official website for the company is www.firstcitizensbank.com. The company can be reached via phone at (570) 662-2121, via email at fccb@firstcitizensbank.com, or via fax at 570-662-2365.

This page (NASDAQ:CZFS) was last updated on 9/8/2022 by MarketBeat.com Staff

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Citizens Financial Services - CZFS Stock Forecast, Price & News

Citizens Financial Services MarketRank™ Forecast

Overall MarketRank™

Analyst's Opinion

Short Interest

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Change versus previous month