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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. more
| Time Frame | CZFS | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -2.73% | -4.74% | -1.38% |
| 1-Month Return | 6.21% | -4.68% | -1.81% |
| 3-Month Return | 12.12% | -2.43% | 1.38% |
| 6-Month Return | 7.88% | -2.03% | 5.68% |
| 1-Year Return | 1.3% | -0.02% | 11.74% |
| 3-Year Return | -24.51% | 40.04% | 65.15% |
| 5-Year Return | 15.54% | 61.23% | 73.68% |
| 10-Year Return | 37.15% | 205.62% | 260.03% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 85.52M | 93.09M | 138.72M | 168.62M | 173.24M | [{"date":"2021-12-31","value":49.36,"profit":true},{"date":"2022-12-31","value":53.74,"profit":true},{"date":"2023-12-31","value":80.07,"profit":true},{"date":"2024-12-31","value":97.33,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | 8.65M | 12.91M | 52.39M | 70.45M | 63.54M | [{"date":"2021-12-31","value":12.29,"profit":true},{"date":"2022-12-31","value":18.32,"profit":true},{"date":"2023-12-31","value":74.36,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":90.2,"profit":true}] |
| Gross Profit | 76.87M | 80.19M | 86.34M | 98.17M | 109.70M | [{"date":"2021-12-31","value":70.07,"profit":true},{"date":"2022-12-31","value":73.1,"profit":true},{"date":"2023-12-31","value":78.7,"profit":true},{"date":"2024-12-31","value":89.48,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Margin | 89.88% | 86.14% | 62.24% | 58.22% | 63.32% | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":95.84,"profit":true},{"date":"2023-12-31","value":69.24,"profit":true},{"date":"2024-12-31","value":64.77,"profit":true},{"date":"2025-12-31","value":70.45,"profit":true}] |
| Operating Expenses | 41.55M | 44.69M | 64.82M | 64.48M | 64.61M | [{"date":"2021-12-31","value":64.1,"profit":true},{"date":"2022-12-31","value":68.95,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":99.48,"profit":true},{"date":"2025-12-31","value":99.68,"profit":true}] |
| Operating Income | 35.32M | 35.49M | 21.52M | 33.68M | 45.09M | [{"date":"2021-12-31","value":78.33,"profit":true},{"date":"2022-12-31","value":78.72,"profit":true},{"date":"2023-12-31","value":47.72,"profit":true},{"date":"2024-12-31","value":74.71,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Total Non-Operating Income/Expense | 101.05M | 59.41M | 57.71M | (33.13M) | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":58.79,"profit":true},{"date":"2023-12-31","value":57.11,"profit":true},{"date":"2024-12-31","value":-32.79,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 35.32M | 35.49M | 21.52M | 33.68M | 45.09M | [{"date":"2021-12-31","value":78.33,"profit":true},{"date":"2022-12-31","value":78.72,"profit":true},{"date":"2023-12-31","value":47.72,"profit":true},{"date":"2024-12-31","value":74.71,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income Taxes | 6.20M | 6.43M | 3.70M | 5.87M | 8.52M | [{"date":"2021-12-31","value":72.79,"profit":true},{"date":"2022-12-31","value":75.56,"profit":true},{"date":"2023-12-31","value":43.49,"profit":true},{"date":"2024-12-31","value":68.87,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income After Taxes | 29.12M | 29.06M | 17.81M | 27.82M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.8,"profit":true},{"date":"2023-12-31","value":61.17,"profit":true},{"date":"2024-12-31","value":95.54,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 29.12M | 29.06M | 17.81M | 27.82M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.8,"profit":true},{"date":"2023-12-31","value":61.17,"profit":true},{"date":"2024-12-31","value":95.54,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 29.12M | 29.06M | 17.81M | 27.82M | 36.57M | [{"date":"2021-12-31","value":79.62,"profit":true},{"date":"2022-12-31","value":79.46,"profit":true},{"date":"2023-12-31","value":48.7,"profit":true},{"date":"2024-12-31","value":76.06,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| EPS (Diluted) | 6.81 | 7.10 | 6.44 | 5.98 | 7.61 | [{"date":"2021-12-31","value":89.49,"profit":true},{"date":"2022-12-31","value":93.3,"profit":true},{"date":"2023-12-31","value":84.63,"profit":true},{"date":"2024-12-31","value":78.58,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| CZFS | |
|---|---|
| Cash Ratio | 0.92 |
| Current Ratio | 0.94 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| CZFS | |
|---|---|
| ROA (LTM) | 1.20% |
| ROE (LTM) | 11.47% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| CZFS | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.89 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.11 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| CZFS | |
|---|---|
| Trailing PE | 8.28 |
| Forward PE | 9.27 |
| P/S (TTM) | 2.76 |
| P/B | 0.89 |
| EV/R | 5.42 |
| EV/Ebitda | NM |
| PEG | NM |
Citizens Financial Services Inc. Common Stock (CZFS) share price today is $63.92
Yes, Indians can buy shares of Citizens Financial Services Inc. Common Stock (CZFS) on Vested. To buy
Yes, you can purchase fractional shares of Citizens Financial Services Inc. Common Stock (CZFS) via the Vested app. You can start investing in Citizens Financial Services Inc. Common Stock (CZFS) with a minimum investment of $1.
You can invest in shares of Citizens Financial Services Inc. Common Stock (CZFS) via Vested in three simple steps:
The 52-week high price of Citizens Financial Services Inc. Common Stock (CZFS) is $69.3. The 52-week low price of Citizens Financial Services Inc. Common Stock (CZFS) is $49.2.
The price-to-earnings (P/E) ratio of Citizens Financial Services Inc. Common Stock (CZFS) is 8.2769
The price-to-book (P/B) ratio of Citizens Financial Services Inc. Common Stock (CZFS) is 0.89
The dividend yield of Citizens Financial Services Inc. Common Stock (CZFS) is 3.07%
The market capitalization of Citizens Financial Services Inc. Common Stock (CZFS) is $303.18M
The stock symbol (or ticker) of Citizens Financial Services Inc. Common Stock is CZFS
Consider the share price of Citizens Financial Services Inc. Common Stock as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Citizens Financial Services Inc. Common Stock has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Citizens Financial Services Inc. Common Stock shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Citizens Financial Services Inc. Common Stock stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Citizens Financial Services Inc. Common Stock and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Citizens Financial Services Inc. Common Stock stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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