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Upturn AI Summary - About
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
10/30/2026: CZFS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Citizens Financial Services Inc. is a well-capitalized, Pennsylvania-based regional bank holding company that has built a stable, long-term franchise focused on community lending and relationship-driven banking. Its core strength lies in its prudent credit underwriting and specialized focus on commercial and agricultural sectors, which have historically supported steady earnings. The recent acquisition of HV Bancorp provides a promising growth story in the Philadelphia market. However, investors must monitor risks related to interest rate fluctuations and intense regional competition. The stock is best suited for value and dividend-oriented investors seeking defensive exposure to the regional banking sector rather than high-growth momentum opportunities.
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 | Mixed fit | CZFS offers steady but moderate growth rather than the high-velocity growth typically sought by growth investors. |
| Momentum investor | Weak fit | The stock's low beta and stable community bank profile make it less suitable for momentum strategies. |
| Value investor | Strong fit | CZFS often trades at attractive valuation multiples typical of solid, small-cap community banking stocks. |
| Dividend investor | Strong fit | Consistent dividend payouts and a reliable yield make it an attractive choice for income-oriented investors. |
| Low-risk investor | Strong fit | Its conservative business model and community-bank stability provide a defensive profile for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock exhibits lower beta and lower volatility compared to broader market indices. |
| Valuation risk | Low | Trading at reasonable P/E multiples reduces the potential for sharp valuation-driven drawdowns. |
| Competition risk (regional banking) | Medium | Intense competition from larger regional banks can pressure margins and market share. |
| Business quality | Strong | Long-standing local franchise and strong customer relationships represent durable business quality. |
| Dividend income | Medium | Dependence on earnings for payouts means dividend sustainability is tied to interest rate environments. |
| Execution risk | Low | Disciplined management history minimizes risk associated with expansion and integration. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -20.82% | Avg. Invested days 33 | 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 10/30/2026 |
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 410.52M USD | Price to earnings Ratio 9.98 | 1Y Target Price 89 |
Price to earnings Ratio 9.98 | 1Y Target Price 89 | ||
Volume (30-day avg) 38.4K shares | Beta 0.39 | 52 Weeks Range 51.56 - 88.20 | Updated Date 10/31/2026 |
52 Weeks Range 51.56 - 88.20 | Updated Date 10/31/2026 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 8.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential, commercial, agricultural, and consumer loans relative to interest paid on deposits. | The bank makes its primary profit by charging more for loans than it pays for deposits. |
| Non-Interest Income | Service fees, trust and investment service revenue, and other banking-related charges. | Additional revenue comes from fees for wealth management and routine banking services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-30 | When Before Market | Estimate 2.2 | Actual 2.48 |
Profitability
Profit Margin 36.05% | Operating Margin (TTM) 49.03% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 12.66% |
Valuation
Trailing PE 9.98 | Forward PE 9.27 | Enterprise Value 889.88M | Price to Sales(TTM) 3.44 |
Enterprise Value 889.88M | Price to Sales(TTM) 3.44 | ||
Enterprise Value to Revenue 6.82 | Enterprise Value to EBITDA - | Shares Outstanding 4.81M | Shares Floating 4.49M |
Shares Outstanding 4.81M | Shares Floating 4.49M | ||
Percent Insiders 6.36 | Percent Institutions 31.57 |
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.
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