80.58 USD
↘ 0.33 (0.40%)PRE MARKET (AS OF 04:46 AM EDT)
Citizens Financial Services, Inc. Common Stock
CZFSNASDAQ • USD
Market: OPEN
Citizens Financial Services, Inc. Common Stock (CZFS) is currently trading at $80.58. The technical outlook is "Buy" and the fundamental picture shows "Neutral". This is driven by a weak Piotroski F-Score of 0/9 and a bullish Golden Cross on the moving averages. Valuation metrics suggest CZFS is trading at a discount to its peers, earning an "Attractively Valued" rating.
Technical & fundamental data as of Oct 2, 2026.
Open?$79.96
High?$80.69
Low?$79.96
Prev. Close?$80.90
Volume?1.8K
Avg. Volume?40.5K
VWAP?$80.03
Rel. Volume?0.04x
Bid / Ask
Bid?$82.95 × 100
Ask?$83.98 × 100
Spread?$1.03
Midpoint?$83.47
Valuation & Ratios
Market Cap?389.1M
Shares Out?4.8M
Float?4.5M
Float %?93.8%
P/E Ratio?9.48
P/B Ratio?1.10
EPS?$8.53
Dividend?2.48%
Ex-Dividend?N/A
News
Profile
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
405
Market Cap
389.1M
Industry
STATE COMMERCIAL BANKS
Website
Listed
1997-01-14
Address
15 S MAIN ST
MANSFIELD, PA 16933
Phone: 570-662-0444
MANSFIELD, PA 16933
Phone: 570-662-0444
Technical OutlookBuy
Strong SellNeutralStrong Buy
Long-Term (Tide)?▲ Bullish(+1/3)
Medium-Term (Wave)?▼ Bearish(-1/3)
Short-Term (Ripple)?▲ Bullish(+3/3)
MA Alignment?Mixed
Full Technical Analysis →Fundamental OutlookNeutral
Strong SellNeutralStrong Buy
F-Score?3
Z-Score?50
Momentum?77
Short Sent.?64
Piotroski F-Score?0/9Weak
Confidence?50%Low
Short InterestLow
Short % of Float?1.68%Low
Short Interest?75.9K
Days to Cover?2.2
Free Float4.5M
Avg Daily Volume34.6K
Settlement Date2026-09-15
Financial Health
Current Ratio?N/A—
Quick Ratio?N/A—
Cash Ratio?N/A—
Debt/Equity?1.12Moderate
ValuationATTRACTIVELY VALUEDvs 4 peers + S&P 500
Score89/100
P/E?9.5CHEAP▾
Peers100
S&P97
P/B?1.10CHEAP▾
Peers100
S&P95
P/S?2.21CHEAP▾
Peers100
S&P62
P/FCF?10.5CHEAP▾
Peers80
S&P87
EV/EBITDA?14.9FAIR▾
Peers20
S&P51
EV/Sales?4.27FAIR▾
Peers20
S&P43
Returns & Efficiency
ROE?11.6%FAIR▾
Peers60
S&P41
ROA?1.3%WEAK▾
Peers40
S&P14
Cash Flow & Enterprise
FCF?$36.9M
Enterprise Value?$752.8M
Fundamentals ratios updated end of day