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NASDAQ · CZFSFinancialsBanking & Credit

Citizens Financial Services, Inc. Common Stock (CZFS)

$87.06+2.92%
Close Nov 4, 2026 · split-adjusted
Nov 3, 2026$85.38▲ 57.38% in range
Nov 3, 2025Low $53.79 · High $86.01Nov 3, 2026
What changed · written from our data
As of Nov 4, 2026

Citizens Financial Services closed at $87.06 on Nov 4, up 2.92% — matching its 52-week closing high. Volume of 31.7K shares was 0.84× its 20-day average (close to normal).

Split-adjusted performance: +9.3% over one month, +36.2% over six months, +60.5% over one year.

In the quarter ended Jun 30, 2026, revenue was $43.52M, up 2.6% from a year earlier, with a net margin of 23.4%.

Short interest was 69.9K shares at the Oct 15 settlement, up 2.0% from the prior report (1.5% of float, 2.1 days to cover).

Market cap$418.8M4.8M shares
Revenue · quarter$43.5M+2.6% YoY
Diluted EPS$2.12+20.5% YoY
P/E · TTM10.2×P/S 2.4×
Net margin23.4%Gross 68.3%
Dividend yield2.34%$0.51 last paid
52-week range53.79 – 87.060.0% from high
Volume31.7K0.84× 20-day avg
Volatility · 60d21.8%Annualised
Short % of float1.5%2.2 days to cover
Net cash$148.7MCash $542.7M
Next earnings—Not scheduled
Split-adjusted performance
1W +3.8%1M +9.3%3M +5.8%6M +36.2%YTD +52.7%1Y +60.5%3Y +81.4%5Y —

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 432 companies (100 = best)

6-month momentum95
Revenue growth38
Net margin76
Value (low P/E)82
Size37

Industry medians: 6-month return +7.5%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short69.9K+2.0% vs prior
Days to cover2.2Settled Oct 15
% of float1.5%
Short vol. 10d58.2%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
CZFSCitizens Financial Services$87.06+2.92%+36.2%+2.6%23.4%10.2$418.8M
FCBMFirst Carolina Financial Services$13.48+1.35%——9.5%—$418.8MCompare
CHMGChemung Financial$87.14+1.44%+30.0%+85.4%21.3%12.5$420.1MCompare
FNLCFirst Bancorp, Inc. (ME)$36.98+2.47%+27.0%+1.2%21.5%11.0$417.3MCompare
AVBCAvidia Bancorp$23.07+0.33%+13.1%———$409.2MCompare
NECBNortheast Community Bancorp$29.70+1.75%+21.9%−5.6%26.7%9.6$408.9MCompare
FDBCFidelity D & D Bancorp$69.99+3.77%+54.7%+5.9%21.1%13.3$406.5MCompare
PCBPCB Bancorp$30.91+0.95%+25.3%+1.2%19.5%10.6$434.5MCompare
NWFLNorwood Financial$36.72+2.16%+21.7%+28.5%21.7%13.9$400.7MCompare

News about Citizens Financial Services

All news →
Citizens Financial Services (CZFS) Q3 Earnings and Revenues Beat EstimatesZacks Investment Research · 5d ago▲ PositiveWhy Citizens Financial Services (CZFS) is a Great Dividend Stock Right NowZacks Investment Research · Oct 19, 2026▲ PositiveCitizens Financial Services (CZFS) Could Be a Great ChoiceZacks Investment Research · Oct 2, 2026▲ PositiveAre You Looking for a High-Growth Dividend Stock?Zacks Investment Research · Sep 16, 2026▲ Positive

Quick answers

What does Citizens Financial Services do?
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.
What is CZFS's market cap?
$418.82M, based on the Nov 4 close of $87.06.
What is CZFS's P/E ratio?
10.2× trailing-twelve-month earnings of $41.05M.
Does Citizens Financial Services pay a dividend?
Yes. The latest regular dividend was $0.51 per share (ex-date Sep 11), an annualised yield of 2.34%.
How much of CZFS is sold short?
69.9K shares, 1.5% of float, as of Oct 15, 2026.
What sector is CZFS in?
Financials, in the Banking & Credit industry.

About Citizens Financial Services

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.

HQ: Mansfield, PA405 employeesListed Jan 14, 1997firstcitizensbank.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology