Citizens Financial Services Inc (CZFS)
Citizens Financial Services, Inc. is a bank holding company whose common stock is listed on the NASDAQ under the ticker CZFS. Through its banking and related financial services businesses, the company serves individual, business, governmental, and institutional customers. Its product suite includes deposit accounts such as checking, savings, and time deposits, along with a range of lending activities covering residential, commercial, and agricultural real estate, commercial and industrial credit, state and political subdivision lending, and consumer loans.
Beyond traditional banking, Citizens Financial Services also provides trust administration, investment management, estate planning and administration, custody of securities, and individual retirement account services. The company further offers brokerage and financial planning services, as well as assistance with oil and gas leasing matters. Its product lineup also includes mutual funds, annuities, and health and life insurance products. Founded in 1984, the company is headquartered in Mansfield, Pennsylvania.
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| Ticker | Fair Value | Fair Value Upside/Downside | Fair Value Rating | Analyst Price Target | Analyst Target Upside/Downside | Analyst Target Rating | Overall Financial Health | Dividend Payment Date | Dividend Yield | Next Earnings Date | P/E Ratio | Price-to-Book Ratio | Price-to-Sales Ratio | Market Cap | Total Debt / Total Capital | Free Float / Shares Outstanding | Altman Z-Score | Payout Ratio | Free Cash Flow / Net Income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
NASDAQ-CZFS
|
$99.06
|
21.8% Upside
|
Undervalued
|
$89
|
9.4% Upside
|
Fair
|
Good
|
September 25, 2026
|
2.5%
|
October 30, 2026
|
9.5x
|
1.1x
|
3.4x
|
390.7 M
|
50.3%
|
93.5%
|
-1.2
|
23.5%
|
89.9%
|
