CZFS
NEUTRAL
$66.1
Live
Citizens Financial Services, Inc. · NASDAQ
Target $69.0
(+4.4%)
$49.99
52W Range
$69.3
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$317.76M
P/E
8.67
ROE
11.5%
Profit margin
33.3%
Debt/Equity
N/A
Dividend yield
3.03%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
CZFS shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.
Key Strengths
Attractive valuation with P/E of 8.7
Undervalued vs Graham Number ($109.8)
Strong profitability (33.3% margin)
Key Risks
Weak financial trend (Piotroski F-Score: 3/9)
AI Fair Value Estimate
Based on comprehensive analysis
$224.79
+240.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
52
Moderate
75
60
60
30
35
AI Verdict
CZFS shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.
Key drivers: Attractive valuation with P/E of 8.7, Undervalued vs Graham Number ($109.8), Weak financial trend (Piotroski F-Score: 3/9)
Confidence
60%
Value
75/100
Rule-based valuation (P/E + Graham).
Positives
- Trades at attractive 8.7x trailing earnings.
- Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
60/100
Rule-based growth outlook.
Positives
- Growth-implied value exceeds price.
Watchpoints
No urgent risks highlighted.
Past
60/100
Historical performance + price trend: Shares moved +35.3% over 5Y and +19.9% over 1Y.
Positives
- Healthy profit margin of 33.3%.
Watchpoints
No urgent risks highlighted.
Health
30/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
35/100
Dividend policy fallback.
Positives
- Yield: 3.0%.
Watchpoints
- Weak dividend profile (Score: 35/100).
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$66.1
Analyst Target
$69.0
Upside/Downside
+4.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CZFS and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
Primary
|
+35.3% | -15.9% | +19.9% | +19.6% | +8.9% | +8.1% |
|
BCML
BayCom Corp
Peer
|
+112.5% | +64.9% | +12.1% | +8.0% | -2.4% | +0.8% |
|
ARDC
Ares Dynamic Credit Allocation Fund, Inc.
Peer
|
+50.0% | +48.4% | -2.1% | -0.8% | +2.4% | +0.1% |
|
AFB
AllianceBernstein National Municipal Income Fund, Inc.
Peer
|
-4.9% | +10.2% | +4.0% | +9.7% | +2.0% | -1.0% |
|
AGD
Abrdn Global Dynamic Dividend Fund
Peer
|
+81.2% | +68.9% | +36.9% | +14.5% | +4.2% | +0.1% |
CZF
Citizens Financial Services, Inc.
Primary
5Y
+35.3%
3Y
-15.9%
1Y
+19.9%
6M
+19.6%
1M
+8.9%
1W
+8.1%
BCM
BayCom Corp
Peer
5Y
+112.5%
3Y
+64.9%
1Y
+12.1%
6M
+8.0%
1M
-2.4%
1W
+0.8%
ARD
Ares Dynamic Credit Allocation Fund, Inc.
Peer
5Y
+50.0%
3Y
+48.4%
1Y
-2.1%
6M
-0.8%
1M
+2.4%
1W
+0.1%
AFB
AllianceBernstein National Municipal Income Fund, Inc.
Peer
5Y
-4.9%
3Y
+10.2%
1Y
+4.0%
6M
+9.7%
1M
+2.0%
1W
-1.0%
AGD
Abrdn Global Dynamic Dividend Fund
Peer
5Y
+81.2%
3Y
+68.9%
1Y
+36.9%
6M
+14.5%
1M
+4.2%
1W
+0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.67
Forward P/E
8.34
PEG Ratio
N/A
P/B Ratio
0.94
P/S Ratio
2.89
EV/Revenue
5.45
EV/EBITDA
N/A
Market Cap
$317.76M
Profitability
Profit margins and return metrics
Profit Margin
33.26%
Operating Margin
46.84%
Gross Margin
N/A
ROE
11.47%
ROA
1.2%
Growth
Revenue and earnings growth rates
Revenue Growth
+9.7%
Earnings Growth
+31.3%
Q/Q Revenue Growth
+12.96%
Q/Q Earnings Growth
+31.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$9.37
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
35.4%
Total Assets
$3.1B
Liabilities
$2.7B
Equity
$0.3B
Debt/Equity
8.07x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-01-29
$2.18
+5.3% surprise
2025-10-30
$2.09
+18.8% surprise
2025-07-30
$1.76
+10.0% surprise
Financial Services Sector Comparison
Comparing CZFS against 258 companies in the Financial Services sector
(38 bullish, 113 neutral, 107 bearish)
P/E Ratio
8.67
This Stock
vs
27.04
Sector Avg
-67.9%
(Discount)
Return on Equity (ROE)
11.47%
This Stock
vs
-2.62%
Sector Avg
-538.0%
(Below Avg)
Profit Margin
33.26%
This Stock
vs
77.23%
Sector Avg
-56.9%
(Weaker)
Revenue Growth
9.7%
This Stock
vs
31.62%
Sector Avg
-69.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CZFS
Citizens Financial Services, Inc.
|
NEUTRAL | $317.76M | 8.67 | 11.5% | 33.3% | $66.1 | |
|
BCML
BayCom Corp
|
NEUTRAL | $318.75M | 13.9 | 7.1% | 24.4% | $29.18 | Compare |
|
ARDC
Ares Dynamic Credit...
|
BEARISH | $322.28M | 10.8 | -% | -% | $13.5 | Compare |
|
AFB
AllianceBernstein National...
|
BEARISH | $312.74M | 90.67 | 1.0% | 12.6% | $10.88 | Compare |
|
AGD
Abrdn Global Dynamic Dividend Fund
|
NEUTRAL | $310.97M | 7.1 | 15.7% | 220.6% | $12.5 | Compare |
CZFS
Citizens...
NEUTRAL
Mkt Cap
$318M
P/E
8.7
ROE
11.5%
Price
$66.1
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-19 | LANDY ROBERT JOSEPH | Director | Gift | 20 | - |
| 2026-03-06 | PAINTER JOHN P II | Director | Purchase | 675 | $41,175 |
| 2026-02-27 | GUILLAUME STEPHEN J | Officer | Purchase | 13 | $742 |
| 2026-01-12 | LANDY ROBERT JOSEPH | Director | Gift | 40 | - |
| 2025-12-22 | BLACK RANDALL E | Chief Executive Officer | Stock Award | 1,552 | - |
| 2025-12-22 | GEPHART LEEANN | Officer | Stock Award | 172 | - |
| 2025-12-15 | OSBORNE TERRY B | Director | Stock Award | 96 | - |
| 2025-12-15 | CHAPPELL ROBERT W | Director | Stock Award | 96 | - |
| 2025-12-15 | DEPAOLA RINALDO A | Director | Stock Award | 96 | - |
| 2025-12-15 | LANDY ROBERT JOSEPH | Director | Stock Award | 96 | - |
| 2025-12-15 | GRAHAM ROGER C JR | Director | Stock Award | 96 | - |
| 2025-12-15 | JONES MICKEY L | Director | Stock Award | 96 | - |
| 2025-12-15 | FREEMAN THOMAS E. | Director | Stock Award | 96 | - |
| 2025-12-15 | KUNES CHRISTOPHER W | Director | Stock Award | 96 | - |
| 2025-12-15 | HILFIGER JANIE M | Director | Stock Award | 96 | - |
LANDY ROBERT JOSEPH
Director
2026-03-19
20 shares
PAINTER JOHN P II
Director
2026-03-06
675 shares
·
$41,175
GUILLAUME STEPHEN J
Officer
2026-02-27
13 shares
·
$742
LANDY ROBERT JOSEPH
Director
2026-01-12
40 shares
BLACK RANDALL E
Chief Executive Officer
2025-12-22
1,552 shares
GEPHART LEEANN
Officer
2025-12-22
172 shares
OSBORNE TERRY B
Director
2025-12-15
96 shares
CHAPPELL ROBERT W
Director
2025-12-15
96 shares
DEPAOLA RINALDO A
Director
2025-12-15
96 shares
LANDY ROBERT JOSEPH
Director
2025-12-15
96 shares
GRAHAM ROGER C JR
Director
2025-12-15
96 shares
JONES MICKEY L
Director
2025-12-15
96 shares
FREEMAN THOMAS E.
Director
2025-12-15
96 shares
KUNES CHRISTOPHER W
Director
2025-12-15
96 shares
HILFIGER JANIE M
Director
2025-12-15
96 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning CZFS from our newsroom.
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No matching news yet.