/
CZFS
$71.52-$2.30 (-3.12%)live
Held · Bookmarked
0 · 0
portfolios · users
Avg position size
—
of holders' portfolios
13F filers
0
institutions
Market cap
$354.7M
5M shares
52-week range
$49.99 – $74.47
88% from low
Sector
STATE COMMERCIAL BANKS
Exchange
NASDAQ
CS
Borrow rate
0.79%
Easy to borrow
Price (6 mo)
Loading chart…
Change+$13.20
Valuation
Financials
Loading chart…
Click rows below (any statement) to add/remove series. Selection stays as you switch tabs.
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $64.5M | $70.4M | $81.7M | $85.5M | $93.1M | $138.7M | $168.6M | $173.2M |
| Cost of revenue | $11.5M | $13.7M | $10.5M | $8.7M | $12.9M | $52.4M | $70.4M | $63.5M |
| Gross profit | $53.0M | $56.7M | $71.2M | $76.9M | $80.2M | $86.3M | $98.2M | $109.7M |
| Gross margin | 82.2% | 80.5% | 87.1% | 89.9% | 86.1% | 62.2% | 58.2% | 63.3% |
| R&D | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Operating income | $21.4M | $23.3M | $30.4M | $35.3M | $35.5M | $21.5M | $33.7M | $45.1M |
| EBITDA | $21.8M | $24.4M | $31.5M | $36.4M | $36.5M | $23.0M | $35.5M | $45.1M |
| Net income | $18.0M | $19.5M | $25.1M | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M |
| Net margin | 28.0% | 27.7% | 30.7% | 34.0% | 31.2% | 12.8% | 16.5% | 21.1% |
| EPS (diluted) | 4.84 | 5.26 | 6.27 | 7.09 | 7.10 | 3.98 | 5.79 | 7.62 |
Annual figures · source: Financial Modeling Prep
Analyst estimates (consensus)
| Year | Est. revenue | Est. EPS | EPS range | # Analysts |
|---|---|---|---|---|
| 2026 | $119M | $8.23 | $8.23–$8.23 | 1 |
| 2027 | $122M | $8.31 | $8.31–$8.31 | 1 |
Forward consensus · source: Financial Modeling Prep
DCF fair valuemodel estimate
Intrinsic value
$133.90
Price
$71.52
Implied upside
+87%
Peer comparison
Citizens Financial Services, Inc. Common Stock
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.
www.firstcitizensbank.com- Employees
- 405
- IPO / List date
- Jan 14, 1997
- HQ
- MANSFIELD, PA
Held by traders on TradeandTell
No one on the platform currently holds CZFS.
Super investors & insiders
Institutions holding (13F)
No tracked institution reports a position in CZFS as of their last filing.
Insider activity (SEC Form 4)
Dividend history
TTM yield · 2.81% ($2.01/share)
| Ex-date | Per share | Pay date |
|---|---|---|
| 2026-06-12 | $0.5100 | 2026-06-26 |
| 2026-03-13 | $0.5000 | 2026-03-27 |
| 2025-12-12 | $0.5000 | 2025-12-26 |
| 2025-09-12 | $0.5000 | 2025-09-26 |
| 2025-06-13 | $0.4950 | 2025-06-27 |
| 2025-03-14 | $0.4950 | 2025-03-28 |
| 2024-12-13 | $0.4900 | 2024-12-27 |
| 2024-09-13 | $0.4900 | 2024-09-27 |
| 2024-06-14 | $0.4900 | 2024-06-28 |
| 2024-03-14 | $0.4900 | 2024-03-29 |
Recent trades on TradeandTell
No one on the platform has traded CZFS yet.
