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Citizens Financial Services, Inc.

CZFS • Banks - Regional
$82.92
▼ -0.67 (-0.80%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$398.18M
Growth
8.8%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 21.1%Positive revenue growth · 14.5%Positive free cash flow · 7.35Consistent free cash flow · 5/5Reasonable earnings multiple · 7.48
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:29 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$82.92
Change-0.80%
Shares Out4.80M
Market Cap$398.18M
Enterprise Value$761.86M
52W Range52.35 - 82.46
Beta0.38
P/E9.70
P/S2.36
P/B1.13
P/FCF7.08
EV/Sales4.52

Investment DNA

How strong this company looks for long-term investors

77
out of 100
Business Quality
Margins, moat, returns
85/100
Financial Strength
Debt, cash, stability
32/100
Growth Potential
Revenue and expansion
58/100
Price Attractiveness
Cheap or expensive today
90/100
Why this score▼
Stable or improving margins · 21.1%Positive revenue growth · 14.5%Positive free cash flow · 7.35Consistent free cash flow · 5/5Reasonable earnings multiple · 7.48Weak liquidity · 0.04

Analyst view

Analyst sentiment and price target

CZFS
Analyst sentiment
Based on 2 analyst votes · 2026-09-05
100/100
Bullish
Bullish
2
Hold
0
Bearish
0

Company Overview

IPO: 1/4/1999
Industry: Banks - Regional
P/B i: 1.13
Debt / Equity i: 0.92
Operating Margin: 26.03%
Net Margin: 21.11%
ROE i: -
ROIC: -

Financial Health

Score6 / 20
Debt / Equity: 0.92
Current Ratio: 0.04
Quick Ratio: 0.04
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Painter John P II
Transaction: 08/05/2026
BUY
Change
+160
Price
$80.52
Filing
08/05/2026
Type
BUY
RICHARDS DAVID Z JR
Transaction: 07/22/2026
BUY
Change
+343
Price
Not reported
Filing
07/23/2026
Type
BUY
Gephart LeeAnn
Transaction: 07/09/2026
SELL
Change
-15
Price
$71.52
Filing
07/09/2026
Type
SELL