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Upturn AI SWOT - About
CZFS 
Citizens Financial Services Inc. Common Stock (CZFS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/09/2025: CZFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.56% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 305.02M USD | Price to earnings Ratio 10.74 | 1Y Target Price 64.36 |
Price to earnings Ratio 10.74 | 1Y Target Price 64.36 | ||
Volume (30-day avg) 1 | Beta 0.47 | 52 Weeks Range 39.45 - 72.87 | Updated Date 07/9/2025 |
52 Weeks Range 39.45 - 72.87 | Updated Date 07/9/2025 | ||
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 10.74 | Forward PE 9.27 | Enterprise Value 539779840 | Price to Sales(TTM) 3.05 |
Enterprise Value 539779840 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 5.93 | Enterprise Value to EBITDA - | Shares Outstanding 4807270 | Shares Floating 4485038 |
Shares Outstanding 4807270 | Shares Floating 4485038 | ||
Percent Insiders 6.89 | Percent Institutions 27.91 |
Upturn AI SWOT
Citizens Financial Services Inc. Common Stock
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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.
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