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Citizens Financial Services Inc. Common Stock (CZFS)

Upturn stock ratingUpturn stock rating
$56.3
Last Close (24-hour delay)
Profit since last BUY-9.46%
upturn advisory
SELL
SELL since 3 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/20/2025: CZFS (1-star) is a SELL. SELL since 3 days. Profits (-9.46%). Updated daily EoD!

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $64.36

1 Year Target Price $64.36

Analysts Price Target For last 52 week
$64.36Target price
Low$37.44
Current$56.3
high$72.87

Analysis of Past Performance

Type Stock
Historic Profit -31.84%
Avg. Invested days 27
Today’s Advisory SELL
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/20/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 282.52M USD
Price to earnings Ratio 9.94
1Y Target Price 64.36
Price to earnings Ratio 9.94
1Y Target Price 64.36
Volume (30-day avg) 1
Beta 0.47
52 Weeks Range 37.44 - 72.87
Updated Date 06/30/2025
52 Weeks Range 37.44 - 72.87
Updated Date 06/30/2025
Dividends yield (FY) 3.37%
Basic EPS (TTM) 5.91

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 28.44%
Operating Margin (TTM) 39.03%

Management Effectiveness

Return on Assets (TTM) 0.96%
Return on Equity (TTM) 9.62%

Valuation

Trailing PE 9.94
Forward PE 9.27
Enterprise Value 540020224
Price to Sales(TTM) 2.83
Enterprise Value 540020224
Price to Sales(TTM) 2.83
Enterprise Value to Revenue 5.71
Enterprise Value to EBITDA -
Shares Outstanding 4807270
Shares Floating 4471385
Shares Outstanding 4807270
Shares Floating 4471385
Percent Insiders 6.89
Percent Institutions 27.91

Analyst Ratings

Rating 1
Target Price 64.36
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Citizens Financial Services Inc. Common Stock

stock logo

Company Overview

overview logo History and Background

Citizens Financial Group, Inc. traces its roots to 1828 with the founding of High Street Bank in Providence, Rhode Island. It grew through acquisitions and organic expansion, becoming part of The Royal Bank of Scotland Group in 1988. In 2014, it conducted an initial public offering (IPO) and became an independent, publicly traded company.

business area logo Core Business Areas

  • Consumer Banking: Offers a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
  • Commercial Banking: Provides financial solutions to businesses, including commercial lending, treasury management, and capital markets services.
  • Wealth Management: Provides wealth management and investment services to individuals and families.

leadership logo Leadership and Structure

The leadership team is headed by Bruce Van Saun (Chairman and CEO). The organizational structure includes various business lines and support functions, reporting to the CEO and the Board of Directors.

Top Products and Market Share

overview logo Key Offerings

  • Mortgages: Offers a variety of mortgage products, competing with national and regional banks. Market share data is variable but generally places Citizens as a significant player in its core geographies. Competitors: JPMorgan Chase (JPM), Bank of America (BAC), Wells Fargo (WFC).
  • Commercial Lending: Provides loans and credit facilities to businesses. Revenue data is reported within the Commercial Banking segment. Competitors: JPMorgan Chase (JPM), Bank of America (BAC), PNC Financial Services (PNC).
  • Checking and Savings Accounts: Offers various deposit accounts for consumers. Citizens competes for customers with other national banks and credit unions. Competitors: JPMorgan Chase (JPM), Bank of America (BAC), TD Bank (TD).

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, and increasing competition from fintech companies.

Positioning

Citizens Financial Group is positioned as a regional bank with a strong presence in the Northeast and Midwest, focused on providing personalized service and building long-term customer relationships.

Total Addressable Market (TAM)

The TAM for US banking is trillions of dollars. Citizens is positioned to capture market share through regional focus and service-oriented approach.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Diversified product offerings
  • Focus on customer service
  • Healthy balance sheet

Weaknesses

  • Limited national brand recognition
  • Dependence on regional economies
  • Smaller scale compared to national banks
  • Exposure to interest rate risk

Opportunities

  • Expansion into new markets
  • Increased digital banking adoption
  • Growing wealth management business
  • Potential acquisitions

Threats

  • Increased competition from fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • JPM
  • BAC
  • PNC
  • USB

Competitive Landscape

Citizens Financial Group's advantages include its regional presence and customer service. Disadvantages include limited national brand recognition and smaller scale compared to national banks.

Major Acquisitions

Investors Bancorp

  • Year: 2022
  • Acquisition Price (USD millions): 6300
  • Strategic Rationale: Expanded Citizens' footprint in the New York metropolitan area and New Jersey, increasing its branch network and customer base.

Growth Trajectory and Initiatives

Historical Growth: Citizens Financial Group has grown through acquisitions and organic expansion.

Future Projections: Analyst estimates suggest continued growth, driven by expansion into new markets and increased digital banking adoption.

Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.

Summary

Citizens Financial Group is a strong regional bank with a diversified product offering and a focus on customer service. Its strengths lie in its regional presence and healthy balance sheet. However, it faces challenges from larger national banks and fintech companies. Growth opportunities exist through expansion into new markets and increased digital banking adoption.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Analyst Reports
  • Market Data Providers

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share data may be estimated and subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Citizens Financial Services Inc. Common Stock

Exchange NASDAQ
Headquaters Mansfield, PA, United States
IPO Launch date 2001-01-02
President, CEO & Director Mr. Randall E. Black
Sector Financial Services
Industry Banks - Regional
Full time employees 379
Full time employees 379

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers 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 provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.