/

CZFS

Citizens Financial Services, InOpen

78.60−0.30 −0.38%USD

NasdaqCM · as of Oct 13, 12:30 ET · 15m delay

Open

79.62

Prev close

78.90

Day range

78.6079.62

52-week range

52.3584.65

Volume

10.00K0.29×

Mkt cap

378.05M

P/E ttm

9.19

Fwd P/E

8.92

EPS ttm

8.55

Div yield

2.58%

Earnings

Jul 30, 2026

From 52w high

−7.15%

Price Chart

Yahoo Finance · delayed

CZFSOct 13, 2026O 79.62H 79.62L 78.60C 78.60−0.30 (−0.38%)Vol 10.00K

SMA 5081.00
SMA 20069.17

1Y change +44.86% since Oct 10, 2025 close540 bars loadedTimes in America/New_YorkDraw from the left toolbar · click a drawing to edit · right-click for alerts and export

CZFS Citizens Financial Services, In · Last Guard Finance

DES

Key Statistics

Yahoo Finance

Performance

1 week: −1.32%
1 month: −4.39%
3 months: +10.21%
6 months: +18.82%
Year to date: +37.85%
1 year: +44.62%

Valuation & ownership

Market cap: 378.05M
Enterprise value: 727.96M
P/E (ttm): 9.19
Forward P/E: 8.92
PEG ratio: —
Price / book: 1.07
Price / sales (ttm): 3.29
EV / EBITDA: —
EPS (ttm): 8.55
EPS (forward): 8.81
Beta (5y monthly): 0.39
Dividend yield: 2.58%
Payout ratio: 23.51%
Shares outstanding: 4.81M
Float: 4.49M
Short % of float: 1.51%
Short ratio (days): 1.84
Held by insiders: 6.36%
Held by institutions: 31.62%
Avg volume (3m): 34.64K
50-day average: 80.96
200-day average: 69.07
52-week change: +44.62%
S&P 500 52-week: +17.50%

Technicals (daily)

RSI (14): 44.5
vs 50-day SMA: −2.97%
vs 200-day SMA: +13.64%
50 / 200-day trend: ▲ 50 above 200
MACD vs signal: ▼ below
ATR (14) % of price: 2.48%
Realised vol (20d, ann.): 21.5%
From 52-week high: −7.15%
From 52-week low: +50.14%

ANR

Analyst Consensus

1 analysts

Consensus

Strong buy

1.00 on a 1 (strong buy) – 5 (sell) scale

Mean target

89.00

+13.23% implied

Low 89.00Median 89.00High 89.00

Recommendation trend

Now1 / 0 / 0
1m ago1 / 0 / 0
2m ago

DES

About Citizens Financial Services, In

Yahoo Finance profile

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.

Sector: Financial Services
Industry: Banks - Regional
Employees: 388
Headquarters: Mansfield, PA, United States
Website: firstcitizensbank.com
Officers: Mr. Randall E. Black President, CEO & Vice Chairman
Mr. Stephen J. Guillaume Executive VP, CFO & Treasurer
Mr. Jeffrey R. White Executive VP & COO

SEAS

Seasonality · CZFS

2007–2026 · monthly returns

Strongest month Nov +3.87%Weakest month Sep −1.42%Averages use completed years only. Past seasonality doesn't predict future returns.

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
2026	10.9	-5.0	1.8	3.3	3.0	11.4	7.0	3.6	-2.2	-0.0			+37.8%
2025	-3.3	-1.3	-4.0	-6.2	12.3	-4.0	-8.6	11.7	0.5	-9.1	2.0	2.0	−9.9%
2024	-9.5	-20.2	5.2	-17.9	3.8	8.2	19.0	6.4	3.3	-0.8	21.1	-10.3	−1.2%
2023	2.5	6.6	-0.3	3.6	-13.2	0.1	-5.4	-22.3	-12.5	3.2	15.1	13.7	−14.8%
2022	7.1	-3.8	1.6	8.7	-4.3	7.1	3.9	7.4	-10.2	-2.3	6.0	5.5	+27.7%
2021	0.1	1.7	4.6	2.7	-0.4	3.3	-0.7	-0.1	0.0	-1.4	-1.8	0.2	+8.4%
2020	4.1	-1.2	-22.5	10.2	-5.6	-2.5	-1.5	-4.1	-6.4	0.0	5.7	20.4	−8.9%
2019	2.8	4.2	7.6	-5.3	5.6	-5.5	-1.2	-2.7	0.5	4.0	-2.1	3.4	+10.7%
2018	1.6	-2.7	0.6	-0.3	-0.2	2.1	0.8	-2.0	0.6	-2.0	-0.5	-8.9	−10.9%
2017	-3.8	2.0	1.5	3.3	0.5	-1.4	0.0	0.7	4.8	6.1	1.7	2.4	+18.9%
2016	-0.8	-2.7	1.0	0.4	-0.8	7.3	-2.0	-2.2	3.1	-0.8	4.0	1.9	+8.2%
2015	-0.4	-1.0	-6.4	-0.9	-0.5	0.4	-1.3	-2.8	2.4	-3.4	-0.5	5.9	−8.7%
2014	-5.5	1.9	5.8	-4.1	0.5	3.9	-3.2	1.9	-1.4	2.4	-0.9	-0.2	+0.3%
2013	11.6	2.6	0.4	-1.8	2.4	3.5	-3.6	1.6	-0.4	-1.7	10.0	4.5	+31.9%
2012	5.1	0.7	0.0	4.1	5.3	-0.6	9.9	4.0	0.0	2.2	-4.3	-2.3	+25.9%
2011	-0.5	6.0	-3.8	1.1	-2.4	-1.4	9.6	-7.5	-8.0	0.6	0.7	0.0	−6.8%
2010	6.8	0.0	-3.6	11.3	-5.4	-0.5	8.1	3.3	0.5	5.9	7.6	4.2	+43.7%
2009	5.1	-4.9	4.9	7.6	0.0	-3.4	17.6	-3.0	-2.1	11.1	1.5	-2.8	+33.4%
2008	2.5	7.3	-4.5	7.1	5.3	-3.0	9.8	-8.0	-2.4	-15.8	5.8	-2.5	−1.5%
2007	3.3	2.8	-3.8	3.9	-6.7	-1.3	3.3	-1.7	0.6	-7.9	2.4	-4.8	−10.2%

INSD

Insider Activity · CZFS

Market-wide insider buying →Congress trades →SEC Form 4 filings via Yahoo Finance

Buys, 6 months

5.1K shares

Sells, 6 months

68 shares

Net shares

+5K

Net change in insider shares

+1.70%

Date	Insider	Transaction	Shares	Value
Sep 21, 2026	Landy Robert JosephDirector	Stock Gift at price 0.00 per share.	40	—
Sep 14, 2026	Behm John DDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Kunes Christopher WDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Hilfiger Janie MDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Painter John P IiDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Graham Roger C JrDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Jones Mickey LDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Freeman Thomas E.Director	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Chappell Robert WDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Depaola Rinaldo ADirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Bower Joseph B Jr.Director	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Landy Robert JosephDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 14, 2026	Osborne Terry BDirector	Stock Award(Grant) at price 0.00 per share.	70	—
Sep 7, 2026	Landy Robert JosephDirector	Stock Gift at price 0.00 per share.	20	—
Aug 30, 2026	Guillaume Stephen JOfficer	Purchase at price 76.32 per share.	24	$1.83K
Aug 4, 2026	Painter John P IiDirector	Purchase at price 80.52 per share.	160	$12.88K
Jul 21, 2026	Richards David Z JrOfficer and Director	Stock Award(Grant) at price 0.00 per share.	343	—
Jul 8, 2026	Landy Robert JosephDirector	Stock Gift at price 0.00 per share.	20	—
Jul 8, 2026	Gephart LeeannOfficer	Sale at price 71.52 per share.	15	$1.07K
Jun 24, 2026	Gephart LeeannOfficer	Sale at price 66.52 per share.	29	$1.93K

CZFS

Price Chart

Keyboard shortcuts & functions

Anywhere

Command line

Charts (click the chart first)

Function codes

CZFS

Price Chart

Key Statistics

Performance

Valuation & ownership

Technicals (daily)

Analyst Consensus

About Citizens Financial Services, In

Seasonality · CZFS

Insider Activity · CZFS

Congress Trades · CZFS

Investors Holding CZFS

Investors Holding CZFS

Congress Trades · CZFS

Insider Activity · CZFS

Seasonality · CZFS

Key Statistics

Performance

Valuation & ownership

Technicals (daily)

Analyst Consensus

About Citizens Financial Services, In

Financial Snapshot

Earnings & Dividends

News