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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
08/28/2025: CZFS (1-star) is currently NOT-A-BUY. Pass it for now.
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 $65
1 Year Target Price $65
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -39.36% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 290.79M USD | Price to earnings Ratio 9.19 | 1Y Target Price 65 |
Price to earnings Ratio 9.19 | 1Y Target Price 65 | ||
Volume (30-day avg) 1 | Beta 0.46 | 52 Weeks Range 47.71 - 72.87 | Updated Date 08/29/2025 |
52 Weeks Range 47.71 - 72.87 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 6.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-30 | When After Market | Estimate 1.6 | Actual 1.76 |
Profitability
Profit Margin 30.33% | Operating Margin (TTM) 41.83% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 10.53% |
Valuation
Trailing PE 9.19 | Forward PE 9.27 | Enterprise Value 547138432 | Price to Sales(TTM) 2.79 |
Enterprise Value 547138432 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 5.75 | Enterprise Value to EBITDA - | Shares Outstanding 4807310 | Shares Floating 4524404 |
Shares Outstanding 4807310 | Shares Floating 4524404 | ||
Percent Insiders 6.82 | Percent Institutions 27.54 |
Upturn AI SWOT
Citizens Financial Services Inc. Common Stock
Company Overview
History and Background
Citizens Financial Services, Inc. was founded in 1828 as High Street Bank in Providence, Rhode Island. It grew through acquisitions and organically to become a major regional bank. In 2014, it was spun off from The Royal Bank of Scotland Group and became a publicly traded company.
Core Business Areas
- Consumer Banking: Provides a range of banking products and services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Offers financial solutions to middle-market companies, including lending, treasury services, and capital markets solutions.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The CEO of Citizens Financial Services is Bruce Van Saun. The organizational structure is hierarchical, with various business lines reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgage lending. Citizens has a significant market share in its regional footprint. Competitors include Bank of America (BAC), Wells Fargo (WFC) and JPMorgan Chase (JPM).
- Commercial Loans: Loans to middle market companies. Market share varies by region. Competitors include regional banks like PNC Financial Services (PNC) and larger national banks.
- Credit Cards: Offer a variety of cards with different reward programs. Competitors include American Express (AXP), Capital One (COF), and JPMorgan Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Citizens is positioned as a super-regional bank with a strong presence in the Northeast and Midwest. Its competitive advantage lies in its regional focus and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the US is trillions of dollars. Citizens is positioned to capture a portion of this TAM through its regional focus and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital position
Weaknesses
- Limited national presence
- Exposure to regional economic conditions
- Dependence on interest rate environment
- Higher expenses than larger banks
Opportunities
- Expansion into new markets
- Growth in wealth management business
- Adoption of digital technologies
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- PNC
- USB
- BOH
Competitive Landscape
Citizens competes primarily with regional banks and national players. It aims to differentiate itself through customer service and local market expertise.
Major Acquisitions
Investors Bancorp
- Year: 2022
- Acquisition Price (USD millions): 6300
- Strategic Rationale: Expanded Citizens' presence in the New York metropolitan area and New Jersey.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be derived from past financials, revenue growth and customer acquisition rate will be indicators.
Future Projections: Projections derived from analysts reports.
Recent Initiatives: Citizens is investing in digital banking and expanding its wealth management business.
Summary
Citizens Financial Services is a strong regional bank with a solid capital position and a diversified revenue stream. Its focus on customer service and local market expertise provides a competitive edge. However, the bank faces challenges from increased competition from fintech companies, regulatory changes, and economic downturn. Successful expansion into new markets and adoption of digital technologies are critical for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is 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 380 | |
Full time employees 380 | |||
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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