Citizens Financial Services, Inc.
Citizens Financial Services, Inc.
Your view on CZFS
Overview
What the company does, where it operates, and who runs it.
About Citizens Financial Services, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Randall E. Black
- Headquarters
- 15 South Main Street, Mansfield, PA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Randall E. Black
- Headquarters
- 15 South Main Street, Mansfield, PA, US
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts 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 mutual funds, annuities, and health and life insurance products.
As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania.
Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Citizens Financial Services, Inc., and the rating behind it. CZFS last traded at $83.12, 9.6× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Citizens Financial Services, Inc.. Starting points for Citizens Financial Services, Inc.: P/E 9.6, EPS $8.56, beta 0.38 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Citizens Financial Services, Inc.. Citizens Financial Services, Inc. paid $2.01 per share over the last year — a 2.4% yield at the current $83.12 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Citizens Financial Services, Inc.. Trailing twelve-month EPS for Citizens Financial Services, Inc. stands at $8.56. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Citizens Financial Services, Inc.. Citizens Financial Services, Inc. has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Citizens Financial Services, Inc. valued side by side against its closest peers. Citizens Financial Services, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Citizens Financial Services, Inc., and how their positions are changing. At a $399.4M market value, institutional positions materially move Citizens Financial Services, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Citizens Financial Services, Inc. executives and directors. Shares of Citizens Financial Services, Inc. have traded between $49.99 and $75.40 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Citizens Financial Services, Inc.. Citizens Financial Services, Inc. is a $399.4M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Citizens Financial Services, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Citizens Financial Services, Inc.. Coverage tracks Citizens Financial Services, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.