CITIZENS FINANCIAL SERVICES INC (CZFS)
Financials · Regional community banking · NASDAQ
A community-focused regional bank serving north-central Pennsylvania and surrounding areas through deposit-taking, residential and commercial lending, and trust services.
What CITIZENS FINANCIAL SERVICES INC does
Citizens Financial Services, Inc. is a Pennsylvania-based bank holding company for First Citizens Community Bank, a full-service regional bank. The Company provides deposit products (checking, savings, time deposits), residential and commercial real estate lending, commercial and industrial loans, consumer lending, and trust and investment management services. The Bank operates 38 full-service offices and related facilities across north-central Pennsylvania, parts of southern New York, south-central Pennsylvania, central Pennsylvania, Delaware, and southeastern Pennsylvania (including parts of New Jersey).
Themes: ["Regional banking"]
Fundamentals
- Price$71.45 as of 2026-07-09 close
- Market cap$343M as of 2026-07-10
- 1-year return+10.5% as of 2026-07-09 close
- P/E8.73 as of 2026-07-10
- Net margin+20.6% as of 2026-07-10
- ROE+11.9% as of 2026-07-10
- Debt / equity0.58 as of 2026-07-10
- Revenue growth (YoY)+45.7% as of 2026-07-10
- Revenue CAGR (3y)+4.8% SEC XBRL
- Beta0.39 as of 2026-07-10
Dividend: yield +2.9%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Geographic concentration: Company is heavily dependent on economic conditions in north-central Pennsylvania, southern New York, and Delaware, making it vulnerable to regional economic downturns."]
Competitors & peers
- Regional and community banks in its service areas
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.