CZFS icon

Citizens Financial Services

61.77 USD
-0.70
1.12%
At close Updated Sep 17, 4:00 PM EDT
1 day
-1.12%
5 days
-2.31%
1 month
9.72%
3 months
9.79%
6 months
8.05%
Year to date
2.35%
1 year
12.82%
5 years
-5.48%
10 years
-5.48%
 

About: Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.

Employees: 410

0
Funds holding %
of 7,463 funds
Analysts bullish %

Fund manager confidence

Based on 2025 Q2 regulatory disclosures by fund managers ($100M+ AUM)

88% more repeat investments, than reductions

Existing positions increased: 30 | Existing positions reduced: 16

14% more first-time investments, than exits

New positions opened: 8 | Existing positions closed: 7

1% more funds holding

Funds holding: 69 [Q1] → 70 (+1) [Q2]

15.47% less ownership

Funds ownership: 42.38% [Q1] → 26.91% (-15.47%) [Q2]

27% less capital invested

Capital invested by funds: $103M [Q1] → $75.2M (-$27.9M) [Q2]

Financial journalist opinion

Based on 10 articles about CZFS published over the past 30 days

Positive
Zacks Investment Research
5 days ago
Citizens Financial Services (CZFS) Could Be a Great Choice
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
Citizens Financial Services (CZFS) Could Be a Great Choice
Positive
Seeking Alpha
6 days ago
Citizens Financial Services: A Review 3 Years After The Uplisting
Citizens Financial Services delivered strong H1 results, with rising net interest income and a well-covered dividend payout ratio below 30%. The bank's loan book is conservatively managed, with most commercial real estate loans having low loan-to-value ratios and limited office exposure. Despite trading at a 40% premium to tangible book value, robust earnings and a low payout ratio suggest tangible book value will continue to grow rapidly.
Citizens Financial Services: A Review 3 Years After The Uplisting
Positive
Zacks Investment Research
7 days ago
New Strong Buy Stocks for September 10th
JRVR, SITE, EVR, TRMK and CZFS have been added to the Zacks Rank #1 (Strong Buy) List on September 10, 2025.
New Strong Buy Stocks for September 10th
Positive
Zacks Investment Research
7 days ago
Best Value Stocks to Buy for September 10th
CZFS, SRCE and NVST made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 10, 2025.
Best Value Stocks to Buy for September 10th
Positive
Zacks Investment Research
7 days ago
Best Income Stocks to Buy for September 10th
CZFS, TRMK and EVR made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 10, 2025.
Best Income Stocks to Buy for September 10th
Positive
Zacks Investment Research
9 days ago
New Strong Buy Stocks for September 8th
TATT, CZFS, AEM, STRL and TROW have been added to the Zacks Rank #1 (Strong Buy) List on September 8, 2025.
New Strong Buy Stocks for September 8th
Positive
Zacks Investment Research
9 days ago
Best Income Stocks to Buy for September 8th
TROW, CZFS and AEM made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 8, 2025.
Best Income Stocks to Buy for September 8th
Positive
Zacks Investment Research
21 days ago
Are You Looking for a High-Growth Dividend Stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
Are You Looking for a High-Growth Dividend Stock?
Positive
Zacks Investment Research
26 days ago
Citizens Financial Services (CZFS) Upgraded to Strong Buy: What Does It Mean for the Stock?
Citizens Financial Services (CZFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Citizens Financial Services (CZFS) Upgraded to Strong Buy: What Does It Mean for the Stock?
Positive
Zacks Investment Research
29 days ago
Best Value Stocks to Buy for August 19th
BYD, NTR and CZFS made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 19, 2025.
Best Value Stocks to Buy for August 19th
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