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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
11/28/2025: 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 -44.95% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 268.63M USD | Price to earnings Ratio 7.87 | 1Y Target Price 65 |
Price to earnings Ratio 7.87 | 1Y Target Price 65 | ||
Volume (30-day avg) 1 | Beta 0.48 | 52 Weeks Range 49.60 - 71.28 | Updated Date 11/30/2025 |
52 Weeks Range 49.60 - 71.28 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 3.50% | Basic EPS (TTM) 7.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.73% | Operating Margin (TTM) 45.18% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 10.88% |
Valuation
Trailing PE 7.87 | Forward PE 9.27 | Enterprise Value 510167424 | Price to Sales(TTM) 2.5 |
Enterprise Value 510167424 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 5.03 | Enterprise Value to EBITDA - | Shares Outstanding 4806377 | Shares Floating 4507709 |
Shares Outstanding 4806377 | Shares Floating 4507709 | ||
Percent Insiders 6.09 | Percent Institutions 28.22 |
Upturn AI SWOT
Citizens Financial Services Inc. Common Stock
Company Overview
History and Background
Citizens Financial Group, Inc. traces its roots back to 1828 with the founding of High Street Bank in Providence, Rhode Island. Through acquisitions and organic growth, it expanded across the Northeast and Midwest. It was a subsidiary of The Royal Bank of Scotland Group until its IPO in 2014. It continues to grow by acquisition.
Core Business Areas
- Consumer Banking: Provides a range of financial products and services to individuals, including checking and savings accounts, mortgages, personal loans, credit cards, and investment services.
- Commercial Banking: Offers lending, leasing, treasury management, and capital markets services to middle-market companies, small businesses, and large corporations.
- Wealth Management: Provides wealth management and private banking solutions including investment management, financial planning, trust and estate services to high net worth individuals and families.
Leadership and Structure
The CEO is Bruce Van Saun. Citizens operates under a traditional corporate structure with a board of directors and various executive leadership positions overseeing different business segments and functional areas.
Top Products and Market Share
Key Offerings
- Mortgages: Citizens offers a variety of mortgage products. Market share data is difficult to pinpoint exactly but they operate within the larger market dominated by Wells Fargo, JP Morgan Chase, and Bank of America. The mortgage market is highly competitive.
- Commercial Lending: Provides loans and other financing solutions to businesses. Competitors include larger national banks and regional players such as Truist and PNC. Precise market share data varies by region and loan type.
- Treasury Management Services: Helps businesses manage their cash flow and payments. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. Market share is not publicly broken down by specific product within Citizens.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and technological disruption from fintech companies. Consolidation is continuing within the financial services sector.
Positioning
Citizens Financial Group is a regional bank competing with larger national banks and smaller community banks. Its competitive advantages include a strong presence in the Northeast and Midwest, a focus on relationship banking, and a growing digital banking platform.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Citizens Financial Group, as a regional player, has a smaller portion of this TAM. The company is positioning itself by focusing on key markets and targeted products to increase market share.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Midwest
- Diversified revenue streams across consumer and commercial banking
- Growing digital banking capabilities
- Solid capital position
- Focus on relationship banking
Weaknesses
- Smaller scale compared to national banks
- Geographic concentration
- Vulnerable to economic downturns in its core markets
- Higher cost structure compared to some competitors
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased focus on digital banking and fintech partnerships
- Growth in wealth management business
- Capitalizing on disruption in the banking industry
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates and inflation
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- JPMorgan Chase (JPM)
- PNC Financial Services (PNC)
- Truist Financial (TFC)
- Wells Fargo (WFC)
Competitive Landscape
Citizens competes with larger national banks and smaller regional banks. Its advantage lies in its strong regional presence and customer relationships. Its disadvantage is its smaller scale and geographic concentration.
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. Created a stronger franchise in attractive markets.
Growth Trajectory and Initiatives
Historical Growth: Citizens has grown through acquisitions and organic expansion. Historical growth rates vary year-to-year. Refer to SEC filings for precise financial performance data.
Future Projections: Future growth projections are based on analyst estimates and management guidance. These projections are subject to change based on economic conditions and company performance.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets through acquisitions, and a focus on improving customer experience.
Summary
Citizens Financial Group is a regional bank that shows signs of long-term growth potential. They have diversified revenue streams and have made acquisitions to help broaden its service area. However, larger national banks present a huge competitive challenge. Their digital banking strategies will be crucial to compete in the coming years and sustain growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Company website
- Analyst reports
- Market data providers
- FDIC.gov
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is based on available information and estimates and may not be precise. Financial 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 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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