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Citizens Financial Services Inc. Common Stock(CZFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CZFS
09/15/2026: CZFS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Citizens Financial Services Inc. is a regional bank holding company that focuses on relationship-based community banking, providing essential commercial and personal financial services. The company's strengths lie in its deep-rooted community reputation, stable deposit base, and consistent history of prudent lending. Its investment story centers on steady organic growth bolstered by selective, strategic acquisitions in the Mid-Atlantic region. However, the company faces risks related to geographic concentration, competitive pressure from larger banks, and potential margin compression in fluctuating interest rate environments. It is best suited for income-focused and value-oriented investors who value steady dividend performance and should monitor regional economic indicators and interest rate trends as key developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company exhibits slow, steady growth characteristics rather than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and lacks the volatility or price trends sought by momentum traders. |
| Value investor | Strong fit | The company often trades at valuations reflective of its stable, long-term earnings potential. |
| Dividend investor | Strong fit | The bank has a consistent history of dividend payments, appealing to income-focused investors. |
| Low-risk investor | Strong fit | The conservative, relationship-based business model offers a lower risk profile compared to growth-oriented sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market. |
| Valuation risk | Medium | Changes in interest rates can significantly impact earnings multiples. |
| Competition risk (Regional Banking) | High | Large banks offer aggressive pricing and tech features that threaten deposit growth. |
| Business quality | Medium | The company has a solid reputation but smaller scale limits diversification. |
| Dividend income | Low | Dividends are relatively stable and well-supported by earnings. |
| Execution risk | Medium | Successful integration of acquisitions is vital for long-term scale. |
Price Behavior
Hockey-Stick Growth
The stock demonstrates a Hockey-Stick Growth price path pattern.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -17.55% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 396.67M USD | Price to earnings Ratio 9.65 | 1Y Target Price 89 |
Price to earnings Ratio 9.65 | 1Y Target Price 89 | ||
Volume (30-day avg) 40.6K shares | Beta 0.38 | 52 Weeks Range 50.79 - 84.14 | Updated Date 09/15/2026 |
52 Weeks Range 50.79 - 84.14 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 2.44% | Basic EPS (TTM) 8.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank profits primarily from the difference between what it earns on loans and what it pays customers for deposits. |
| Non-Interest Income | Service fees, trust fees, and mortgage banking income. | Revenue is also generated through fee-based services like wealth management and account maintenance. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 9.65 | Forward PE 9.27 | Enterprise Value 745.13M | Price to Sales(TTM) 3.46 |
Enterprise Value 745.13M | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 6.67 | Enterprise Value to EBITDA - | Shares Outstanding 4.81M | Shares Floating 4.50M |
Shares Outstanding 4.81M | Shares Floating 4.50M | ||
Percent Insiders 6.35 | Percent Institutions 31.61 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Citizens Financial Services Inc. Common Stock
Exchange NASDAQ | Headquarters Mansfield, PA, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Vice Chairman Mr. Randall E. Black | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 388 | |
Full time employees 388 | |||
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; loan products, including 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 founded in 1984 and is headquartered in Mansfield, Pennsylvania.
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