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CZFS 
Citizens Financial Services Inc. Common Stock (CZFS)
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Upturn Advisory Summary
12/12/2025: 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 $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 -44.89% | Avg. Invested days 22 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 294.15M USD | Price to earnings Ratio 8.62 | 1Y Target Price 65 |
Price to earnings Ratio 8.62 | 1Y Target Price 65 | ||
Volume (30-day avg) 1 | Beta 0.47 | 52 Weeks Range 49.20 - 68.84 | Updated Date 12/14/2025 |
52 Weeks Range 49.20 - 68.84 | Updated Date 12/14/2025 | ||
Dividends yield (FY) 3.17% | 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 8.62 | Forward PE 9.27 | Enterprise Value 535689280 | Price to Sales(TTM) 2.74 |
Enterprise Value 535689280 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 4806377 | Shares Floating 4507709 |
Shares Outstanding 4806377 | Shares Floating 4507709 | ||
Percent Insiders 6.08 | Percent Institutions 28.23 |
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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