CZFS
Financial ServicesCitizens Financial Services, Inc.
$57.66
+$2.01 (+3.61%)
Jan 5, 2026
Price History (1Y)
Analysis
Citizens Financial Services, Inc. is a company in the Financial Services sector, specifically within the Banks - Regional industry. With a market capitalization of $277.14 million, it operates on a relatively small scale compared to larger financial institutions. From a financial health perspective, the company exhibits strong profitability metrics, with an operating margin of 45.2% and a profit margin of 31.7%. Additionally, Citizens Financial Services demonstrates respectable returns, boasting a return on equity (ROE) of 10.9% and a return on assets (ROA) of 1.1%. However, the company's balance sheet shows a significant amount of debt, with $283.92 million in outstanding obligations, which is somewhat mitigated by its cash reserves of $42.38 million. In terms of valuation context, Citizens Financial Services has a price-to-earnings (P/E) ratio of 7.83 (TTM), indicating that investors may be willing to pay relatively low multiples for the company's earnings. The revenue growth rate of 12.7% year-over-year suggests moderate expansion, while the earnings growth rate of 32.8% year-over-year indicates a stronger increase in profitability. The dividend yield stands out at an unusually high 359.0%, which may be worth noting given its payout ratio of 27.7%.
This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.
About Citizens Financial Services, Inc.
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.
Visit website →Key Statistics
- Market Cap
- $277.14M
- P/E Ratio
- 7.83
- 52-Week High
- $65.80
- 52-Week Low
- $49.99
- Avg Volume
- 8.41K
- Beta
- 0.43
- Dividend Yield
- 359.00%
Company Info
- Industry
- Banks - Regional
- Exchange
- NCM
- Country
- United States
- Employees
- 379