Citizens Financial Services, Inc. Common Stock (CZFS) — Analysis Summary
Citizens Financial Services, Inc. Common Stock (CZFS) has a market cap of $379.50M with year-over-year revenue growth of +13.4%. Net margin stands at 37.3%. The stock trades at a P/E ratio of 9.2.
Key Takeaways
- Revenue changed +13.4% year-over-year
- Net margin of 37.3%
- P/E ratio of 9.2
Compared to other companies in the STATE COMMERCIAL BANKS sector, CZFS posted revenue growth of +13.4% and trades at a P/E of 9.2.
Citizens Financial Services, Inc. Common Stock (CZFS)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 6.1x — highly leveraged, potential refinancing risk
Interest coverage at 0.0x — earnings do not cover interest payments
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.
Sector
STATE COMMERCIAL BANKS
Employees
405
Headquarters
MANSFIELD, PA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$2.04
Dividend Yield
2.59%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.